Life insurance that works like an investment, without the risk.
An IUL is permanent life insurance with cash value growth linked to a stock market index, such as the S&P 500. You participate in market gains up to a cap, but a 0% floor means your account never loses value when the market drops. Many clients use IUL cash value as a tax-advantaged supplement to retirement income.
- Market-linked growth with a 0% floor, never lose principal
- Tax-free accumulation and tax-free retirement income via loans
- Allocate across multiple indexes (S&P 500, JP Morgan, Morgan Stanley)
- Dollar-cost averaging effect, each premium builds its own indexed position
17
States
9+
Carriers
A+
AM Best
$0
Cost to You
Get your free quote in 60 seconds
This is right for you if...
- You want growth potential without direct market risk
- You are maximizing retirement savings and want another tax-advantaged bucket
- You want permanent coverage that can adapt as your needs change
- You want flexibility on premiums as your income changes over time
How it works
- 01We assess your income, goals, and risk tolerance
- 02We design a policy structure (death benefit vs. cash accumulation focus) suited to you
- 03Your cash value is credited based on index performance, with a guaranteed floor
- 04You can access accumulated value tax-free through policy loans in retirement
Key Benefits
In depth
How the indexing works: when the index goes up, your cash value is credited a portion of those gains, up to a cap (typically 10–12%, depending on the carrier and product). When the index drops, your floor holds at 0%, your balance never goes negative because of market performance.
You're not limited to the S&P 500 either. Depending on the carrier, you can allocate across multiple indexes, including strategies from asset managers like JP Morgan and Morgan Stanley, diversification built directly into the policy.
Every premium payment creates its own indexed position, similar to dollar-cost averaging. Each position compounds independently over time, so the longer you hold the policy, the more positions are stacking and growing simultaneously.
As cash value builds, the growth itself starts covering a larger share of the cost of insurance. Over time, many policyholders reach a point where the policy sustains itself, the compounding cash value handles the premiums, and out-of-pocket payments can stop entirely. You build it, then it runs itself.
Beyond retirement income, IUL cash value is also commonly used by business owners for executive bonus plans, and by families as a flexible, tax-advantaged source of funds for education or major life expenses.
Frequently asked questions
Ready to explore Indexed Universal Life?
Answer 8 quick questions and we'll guide you to the best fit.
Answer a few questions and start your quote faster.
Complete this short form so we can guide you with better coverage options.
Free · No Obligation