Coverage
Indexed Universal Life
Flexible permanent coverage with market-linked accumulation and tax-advantaged income potential.
Overview
What is Indexed Universal Life?
Indexed Universal Life (IUL) is a flexible-premium permanent policy that credits interest based on the performance of a stock market index (such as the S&P 500), with a guaranteed floor that protects you in down years. It's a powerful tool for tax-advantaged retirement income.
Key Features
- Market index participation with a 0% floor — no losses in down years
- Tax-free policy loans for retirement income
- Adjustable premiums and death benefit
- Tax-deferred cash value accumulation
- Living benefit riders for chronic, critical, or terminal illness
Best For
- High-income earners maxing out qualified plans
- Business owners seeking tax-advantaged retirement income
- Estate planning with growth potential
- Anyone wanting upside participation with downside protection
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