Dallas-Fort Worth
Indexed Universal Life (IUL)
Permanent life insurance with cash value growth tied to a market index — upside potential with a floor protecting against loss.
What is indexed universal life (iul)?
An Indexed Universal Life (IUL) policy gives you permanent life insurance combined with a cash value account linked to a stock market index like the S&P 500. You participate in market gains up to a cap, and a floor — typically 0% — protects your cash value when the index drops. Premiums and death benefits are flexible, which makes IUL adaptable as your life changes.
Key benefits
- Cash value grows based on index performance — not directly invested in the market
- Floor protection means your cash value cannot lose value due to market declines
- Flexible premiums and adjustable death benefit as income and needs change
- Tax-advantaged growth with the option of tax-free income in retirement when structured correctly
- Access to cash value via loans or withdrawals without triggering taxes
Who this is right for
Higher earners who have maxed out 401(k) and Roth IRA contributions and are looking for additional tax-advantaged accumulation, or those who want permanent coverage with meaningful growth potential.
When to look elsewhere
IUL requires consistent, adequate premium funding to perform as illustrated. If you need basic coverage at the lowest cost, term life is a better fit. IUL is also not a substitute for a diversified investment portfolio.
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