Permanent life insurance with cash value that can grow with the market — protected by a floor, so a down year never costs you your gains.
Indexed Universal Life (IUL) is permanent life insurance with a built-in cash-value account. The cash value earns interest linked to a market index (like the S&P 500), up to a cap — but a guaranteed floor means you don't lose value when the market falls.
Because the growth is tax-advantaged and the premiums and death benefit are flexible, many people use IUL both to protect their family and to build a tax-efficient supplement to retirement.
Cash value can rise with the index up to a cap, while a 0% floor protects you from market losses.
Cash value grows tax-deferred and can often be accessed tax-free through policy loans in retirement.
Many IUL policies let you access part of the death benefit early if you're diagnosed with a serious illness.
Adjust your premium and death benefit over time as your life and budget change.
If any of these sound like you, Indexed Universal Life (IUL) is worth a conversation. A licensed agent will help you decide — with no pressure either way.
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