An Indexed Universal Life policy builds real wealth tied to market performance — with a 0% floor so a bad year never costs you a dime.
Get My Free Quote →An Indexed Universal Life (IUL) policy is a permanent life insurance product that builds cash value tied to the performance of a market index — like the S&P 500 — without ever being directly invested in the market. That means you get the growth potential of equities with a guaranteed floor of 0%: when the market is up, you earn. When it's down, you don't lose.
The cash value grows tax-deferred, and you can access it tax-free in retirement through policy loans — making it one of the most powerful tax-advantaged wealth tools available, especially for high earners who have maxed out traditional retirement accounts.
IULs are ideal for high earners, business owners, and professionals who want to build tax-free retirement income beyond the limits of a 401(k) or IRA. They're also a powerful tool for anyone who wants life insurance protection alongside long-term wealth accumulation.
Earn interest based on index performance — capped on the upside, but protected on the downside. A market crash doesn't wipe out your cash value.
Access your cash value through policy loans in retirement — no income tax, no required minimum distributions, and no impact on Social Security taxation.
Your beneficiaries receive the full death benefit income-tax-free, regardless of how much your cash value grew during your lifetime.
Unlike a 401(k) with rigid contribution rules, an IUL lets you adjust premiums to fit your income — pay more in good years, less when cash flow is tight.
A 401(k) has annual contribution limits, requires minimum distributions at 73, and all withdrawals are taxed as ordinary income. An IUL has no contribution limits, no required distributions, and distributions through policy loans are tax-free. It also provides a death benefit — something a 401(k) doesn't offer.
Most IUL policies work best with a minimum monthly premium of $300–$500 or more to build meaningful cash value. We'll design the policy specifically around your income, goals, and timeline to maximize the cash value component.
The 0% floor is guaranteed — meaning your cash value can never decrease due to market losses. However, growth isn't guaranteed; it depends on index performance. In flat or down markets, you earn 0% (not a loss). In strong markets, you earn up to the cap rate set by the carrier.
Yes. Policy loans from an IUL don't count as income, don't affect FAFSA calculations the same way a 529 might, and the remaining balance continues to grow. Many parents use IULs as a flexible college funding vehicle that doubles as retirement savings.