INDEXED UNIVERSAL LIFE INSURANCE

Indexed Universal Life (IUL) Insurance is a permanent life insurance policy that provides both a death benefit for your beneficiaries and a cash value component that grows based on the performance of a stock market index (such as the S&P 500).

Key Features of IUL:

• Lifetime Coverage – As long as premiums are paid, the policy remains in force for life.
• Cash Value Growth Potential – The cash value earns interest based on a market index, with a cap on gains but protection against losses.
• Flexible Premium Payments – Adjust payments based on your financial needs, as long as there’s enough cash value to cover costs.
• Tax Advantages – Cash value grows tax-deferred, and you can access funds tax-free through policy loans.
• Customizable Death Benefit – Modify the coverage amount over time to align with your financial goals.

How IUL Works:

• Your cash value is linked to a stock market index – If the index performs well, your cash value increases (up to a cap).
• Built-in downside protection – Even if the market declines, the policy guarantees a minimum return (floor rate).
• You can access your cash value – Take out loans or withdrawals for retirement, emergencies, or other financial needs.

Who is IUL Best For?

• High-income earners seeking tax-free retirement income
• Business owners & real estate investors looking for tax-advantaged wealth-building
• Parents & grandparents wanting to leave a financial legacy
• Individuals looking for market-linked growth without direct stock market risk