Indexed Universal Life
Tax-Free Retirement. Zero Downside.

Build tax-free retirement income while protecting your family. Your money grows with the market, with zero downside risk. A 0% floor means you never lose to market drops.

✓Tax-free retirement income

✓0% floor, never lose to market drops

✓Living benefits included

✓Builds cash value you can access

Why IUL

Market Growth Without Market Risk

IUL links your cash value to market indexes (like the S&P 500) for growth potential, but with a guaranteed floor, typically 0%, so you never lose money when the market drops.

Tax-Free Retirement

Access your cash value through policy loans, tax-free and penalty-free. Use it for retirement income, emergencies, or opportunities.

✓ Tax-free policy loans
✓ Retirement income
✓ No penalties for access

0% Floor Protection

When the index goes down, your account doesn't. Your principal is protected from market losses.

✓ Guaranteed floor
✓ No market downside
✓ Principal protected

Living Benefits

Many IUL policies include chronic illness and critical illness riders, and access benefits while you're still alive.

✓ Chronic illness rider
✓ Critical illness rider
✓ Access while living

IUL Strategy

See How IUL Works

Indexed Universal Life combines life insurance protection with a cash value account that earns interest based on market index performance. When the index goes up, you participate in the gains. When it goes down, your account is protected by the floor.

Over time, the cash value can grow significantly, and you can access it tax-free through policy loans for retirement income, education, or any other need. It's a powerful tool for tax-free retirement planning.