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Life Insurance

Indexed Universal Life (IUL) Insurance, explained. 

Permanent coverage with growth tied to a market index, floor protected, capped on the upside.

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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.

Inside a Indexed Universal Life (IUL) policy.

Permanent death benefit
Cash value with indexed crediting strategies
Fixed IUL floor: 0%, credited interest never goes negative in a down market year
Flexible premiums and death benefit
Living benefit riders (chronic, critical, terminal illness)
Tax favored policy loans and withdrawals

Is this for you?

High earners who’ve maxed other tax advantaged buckets
Business owners building tax advantaged supplemental retirement income
Families wanting permanent coverage with growth potential
Anyone interested in tax favored cash value plus death benefit
Clients with 15+ year planning horizons

Plain language answers.

Is IUL for everyone?

No. IUL fits some situations beautifully and others poorly. Our job is to tell you which one you are.

What is the cap?

The maximum credit in a strong year (varies by carrier and strategy). Caps move with rates, we model multiple scenarios.

What is the floor on a fixed IUL?

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.

Coverages that pair well with this one.

Ready for a Indexed Universal Life (IUL) quote?

A short form or a quick call. We’ll shop it across 50+ carriers and come back with options.