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Indexed Universal Life (IUL)
Tax-advantaged wealth building with market-linked upside.
What it is
An IUL is a permanent life insurance policy where cash value growth is linked to a market index (like the S&P 500) with a floor that protects you from losses.
How it works
You pay flexible premiums. Cash value is credited based on index performance up to a cap. Downside is protected by a 0% floor.
Who it's for
Professionals, business owners, and high earners seeking tax-advantaged growth with market upside.
Key Benefits
- Market-linked upside potential
- 0% floor — no losses from market downturns
- Tax-free retirement income via policy loans
- Flexible premium payments
Frequently Asked Questions
Is my money in the market?+
No — your cash value is credited based on an index, but not directly invested.
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