What is Indexed Universal Life (IUL) Insurance?

Indexed Universal Life (IUL) Insurance is a type of permanent life insurance that offers both flexible coverage and the potential for cash value growth linked to the performance of a stock market index, such as the S&P 500. It combines the financial security of a permanent life insurance policy with the opportunity for your cash value to grow based on market performance—without the risk of losing money in a downturn.

With an IUL, you can adjust your coverage and premium payments to meet your changing needs over time. The policy’s cash value grows at a competitive rate, with interest credited based on the performance of a selected market index, subject to a cap and a floor, ensuring you benefit from market gains while being protected from losses.

Why Choose Indexed Universal Life (IUL) Insurance?

• Flexible Coverage: Adjust your death benefit and premiums as your needs change over time

• Growth Potential: Earn interest based on a stock market index, with no risk of loss in market downturns

• Lifetime Protection: Provides coverage for your entire life, with the potential to build wealth along the way

• Financial Flexibility: Use the policy’s cash value for loans or withdrawals, providing financial flexibility when you need it most

An IUL offers the perfect balance between life insurance protection and the opportunity for long-term cash value growth. It’s an ideal choice for individuals who want the benefits of permanent insurance, with the potential to accumulate wealth and adjust to life’s changing financial needs. Secure your future with Indexed Universal Life Insurance today.