A flexible life insurance solution that combines lifelong protection with cash value growth potential tied to market indexes—without directly investing in the market or risking your principal.
IUL gives you the best of both worlds: market-linked growth potential with downside protection. Here's the key concept:
Your cash value is credited interest based on the performance of a market index (like the S&P 500), up to a cap rate. You participate in gains without directly investing.
Your cash value is protected by a "floor" (typically 0%). Even if the market drops 30%, you don't lose money. Your worst-case scenario is zero growth—not loss.
Each year, your gains are "locked in" and become part of your principal. Future downturns can't take away previous growth. You only move forward.
Accumulate cash value during working years, then access it tax-free in retirement as supplemental income.
Build cash value that doesn't count against financial aid, then access it when tuition bills arrive.
Fund buy-sell agreements, key person coverage, or executive bonus plans with tax-advantaged growth.
Create a tax-free legacy for heirs while maintaining access to funds during your lifetime.
IUL may be a good fit if you:
Honest truth: IUL isn't for everyone. It works best when properly designed and adequately funded. Let's talk about whether it fits your situation.
Let's discuss whether an IUL strategy makes sense for your specific goals. I'll give you an honest assessment—no hype, just facts.