Indexed UL

Indexed Universal Life (IUL) is a type of permanent life insurance that combines lifelong coverage with the potential to build cash value based on the performance of a stock market index (like the S&P 500®). It’s designed to protect your family while also giving you flexibility and opportunities for tax-advantaged growth.

✅ Key Features

• Permanent Coverage – Offers lifetime protection as long as premiums are maintained.
• Cash Value Growth – Part of your premium builds cash value, tied to a market index (without directly investing in the stock market).
• Downside Protection – Market losses won’t reduce your cash value below zero; most policies include a guaranteed minimum interest rate.
• Upside Potential – Growth is linked to index performance, giving you higher earning potential than traditional whole life policies.
• Flexible Premiums – You can adjust the amount and timing of your premium payments within certain limits.
• Policy Loans & Withdrawals – Access cash value for retirement income, emergencies, or other needs (loans may reduce death benefit).
• Tax Advantages – Death benefit is generally income-tax free to beneficiaries, and cash value grows tax-deferred.

🌟 Key Benefits

• Protection + Growth – Provides financial security for loved ones while giving your money a chance to grow.
• Supplemental Retirement Income – Cash value can be tapped as a tax-advantaged income source in retirement.
• Flexibility – Adjust premiums and coverage to match your changing financial needs.
• Legacy Planning – Helps transfer wealth efficiently, often with tax advantages.
• Peace of Mind – Even in down markets, your cash value is protected by a floor.

👉 In short: An IUL gives you lifelong protection, the flexibility to adapt over time, and the opportunity for growth that keeps pace with inflation — all while protecting your family’s future.