Index Universal Life (IUL)
Protection + Wealth Strategy in One Plan
An IUL gives you powerful life insurance coverage plus market-linked cash value growth without risking your principal.
Perfect for:
Benefits
Market-Linked Growth
Cash value tied to market indexes with upside potential
Principal Protection
Your money never loses value even when markets drop
Tax-Advantaged Withdrawals
Access your cash value tax-free for retirement or other needs
Flexible Premiums
Adjust your payments as your financial situation changes
Living Benefits
Access funds during critical illness or chronic conditions
Legacy Planning
Build wealth to pass on to future generations
Why Index Universal Life?
Index Universal Life (IUL) combines the best of both worlds: life insurance protection and wealth accumulation. Your cash value is linked to market indexes like the S&P 500, giving you growth potential when markets perform well — but with a safety net that protects your principal when markets decline.
This makes IUL an incredibly powerful tool for long-term wealth building, tax-free retirement income, and legacy planning. You get upside potential without downside risk, flexible premium payments, and the ability to access your cash value tax-free.
IUL is perfect for individuals who want more than basic insurance — those who are thinking strategically about building generational wealth while maintaining strong protection for their families.