An Indexed Universal Life policy pairs a death benefit for the people who depend on you with cash value growth potential linked to a market index — without directly investing in the market itself.
Provides ongoing protection for your beneficiaries for as long as the policy stays in force.
Cash value growth potential is tied to the performance of a market index, subject to caps and participation rates.
Many contracts include a floor that helps guard cash value against negative index performance in a given period.
Policy loans and withdrawals can provide access to accumulated cash value, subject to policy terms.
IULs tend to make the most sense for people who have already maxed out other tax-advantaged accounts, business owners looking for flexible options, or anyone who wants permanent life insurance with growth potential built in.
It's not the right fit for everyone — and it's not a substitute for a diversified investment strategy. The right first step is an honest conversation about whether it fits your goals.
We start with your goals, not a product — protection needs, timeline, and what else you're already doing.
See how a specific policy is structured, funded, and projected to perform under different scenarios.
If it fits, we move forward together. If it doesn't, you'll walk away better informed either way.
No. Cash value growth potential is linked to the performance of a market index, subject to caps, participation rates, and floors set by the policy — all of which can change over time and vary by carrier.
While many IUL contracts include a floor that limits losses from negative index performance, policy costs, fees, and loans can still reduce cash value — and a poorly funded policy can lapse.
It's permanent life insurance. Cash value growth potential is a feature of the policy, not a replacement for a diversified investment strategy or professional investment advice.
Typically through policy loans or withdrawals, which reduce the death benefit and cash value and may have tax consequences, particularly if the policy lapses.
Looking forward to speaking with you soon — together, we'll help put together a plan that complements your goals.
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