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Discover how Indexed Universal Life insurance combines market-linked growth potential with downside protection, creating a powerful tool for retirement planning and wealth transfer.
Your cash value grows based on market index performance (like S&P 500) with a floor of 0% - you participate in gains but are protected from losses.
Access your cash value through tax-free loans and withdrawals, creating a powerful supplement to your retirement income strategy.
Unlike traditional investments, IUL provides a death benefit for your family plus living benefits you can use for emergencies or opportunities.
Adjust your premium payments based on your financial situation - pay more when you can, less when you need to.
A 35-year-old investing $500/month could potentially accumulate$842,000+in tax-free cash value by age 65*
*Based on current rates and assumptions. Actual results will vary.
IUL works best for individuals who want life insurance protection plus tax-advantaged growth potential. It's ideal for those maxing out 401(k)s and IRAs who want additional tax-free retirement income.
While whole life offers guaranteed growth, IUL provides the potential for higher returns linked to market indices. IUL also offers more flexibility in premium payments and death benefit options.
Your cash value grows tax-deferred, and you can access it tax-free through policy loans. The death benefit passes to beneficiaries income tax-free, making it a powerful estate planning tool.
Your cash value is protected by a 0% floor - you won't lose money due to market downturns. However, policy fees and charges will still apply, so it's important to fund the policy appropriately.
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