Indexed Universal Life (IUL) Insurance, explained.
Permanent coverage with growth tied to a market index, floor protected, capped on the upside.
Indexed Universal Life (IUL)
Indexed Universal Life is permanent life insurance with cash value growth linked to a market index (often the S&P 500). Down years are protected by a floor (typically 0%); up years are participated in, subject to a cap or participation rate.
IUL is one of our specialties. Used as a long-term planning tool, it can combine permanent coverage, tax-advantaged cash accumulation and downside protection. It is not for everyone, but for the right situation, it is hard to beat.
Is this for you?
Inside a Indexed Universal Life (IUL) policy.
When this coverage pays off.
Tax-advantaged supplemental income
An IUL designed for retirement income, policy loans in retirement can be received tax-free when structured properly.
Permanent coverage + cash growth
A policy that grows in good market years and is protected in bad ones.
Long-term family legacy
A multi-decade plan combining death benefit and growth.
Plain-language answers.
No. IUL fits some situations beautifully and others poorly. Our job is to tell you which one you are.
The maximum credit in a strong year (varies by carrier and strategy). Caps move with rates, we model multiple scenarios.
Fixed IULs have a 0% floor. In a down market year, your credited interest rate never goes below 0%, the market decline does not reduce your indexed cash value (policy charges still apply). That downside protection is the core reason clients choose IUL.
No, projections use illustrated rates. The floor and death benefit are guaranteed; index gains are not.
Ready for a Indexed Universal Life (IUL) quote?
Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.