Index Universal Life Insurance
Flexible permanent life insurance with market-linked growth potential
Index Universal Life Insurance (IUL) is a flexible permanent life insurance policy that provides both lifelong protection and an opportunity to build cash value linked to a market index (such as the S&P 500®).
Unlike traditional policies, the cash value in an IUL policy can grow based on the performance of a market index without being directly invested in the stock market—offering the potential for higher returns while protecting your money from market losses.
An IUL policy allows you to adjust your premiums and access your cash value through loans or withdrawals. Your savings grow based on index performance subject to a cap and floor rate (often 0%), so you never lose money due to market downturns.
Policy Benefits:
- Market-Linked Growth: Earn interest tied to an index's performance with downside protection against market losses.
- Tax-Deferred Growth: Your cash value grows without immediate taxation, and you can access funds during your lifetime.
- Flexibility: Adjust coverage amounts and premium payments as your financial needs change.
Why Choose Index Universal Life Insurance?
IUL provides the flexibility and protection you need, while also offering the potential for greater returns based on the performance of a market index. With a guaranteed minimum interest rate and the potential to grow your cash value based on the market’s performance, it provides the best of both worlds—financial security and growth potential.
Is this strategy right for you?
Connect with our specialists to run a personalized illustration based on your financials and see how an Index Universal Life Insurance policy can enhance your wealth strategy.