PROTECT YOUR FUTURE AND SECURE YOUR SAVINGS
Create a flexible and tax-advantaged strategy for building your wealth and securing your family's future.
Secure
Your Future
Protecting Your Loved Ones with
Reliable Life Insurance Solutions
What Is IUL Insurance?
Indexed Universal Life (IUL) insurance is a type of permanent life insurance that provides a death benefit along with the potential for cash value accumulation. It combines the flexibility of Universal Life insurance with the opportunity for growth tied to a stock market index, offering you a flexible way to build savings over time.
Key Benefits of IUL:
Flexible Premiums: Adjust your payments based on your needs and circumstances.
Growth Potential: Cash value grows based on a stock market index with built-in protection from market downturns.
Tax Advantages: Enjoy tax-deferred growth and potentially tax-free loans against the cash value.
Lifetime Protection: Ensure your loved ones are financially protected no matter what.
Think of it as a personal wealth-building machine you control.
Why Choose IUL?
With IUL, you’re not just getting life insurance; you’re also getting a powerful financial tool that can help you build wealth over time. Here’s why so many people are choosing IUL for their future:
Market-Linked Growth: Unlike whole life insurance, IUL allows your cash value to grow based on a market index, offering higher growth potential.
Downside Protection: IUL policies typically come with a floor, meaning you won't lose money during a market downturn.
Lifetime Coverage: As long as you keep the policy active, your coverage lasts for life.
Loan Options: You can borrow against your policy’s cash value, often tax-free, providing financial flexibility.
How Does IUL Insurance Work?
Step 1: Choose Your Coverage Amount
Select the amount of coverage you need based on your goals, whether for a family’s future, retirement, or both.
Step 2: Fund Your Policy
Make flexible contributions to your policy. Your contributions will grow based on a market index, helping your policy accumulate cash value over time.
Step 3: Watch Your Policy Grow
Watch your policy’s cash value grow with the market while being protected from losses. You can access these funds when needed for loans or withdrawals.
Step 4: Lifetime Protection
As long as you keep the policy in force, your beneficiaries will receive a death benefit upon your passing.
STILL NOT SURE?
Frequently Asked Questions
You’ve Got Questions — We’ve Got Real Answers
1. Can I lose money in an IUL??
No. Most have a 0% floor, so even if the market crashes, your cash value doesn’t go backward.
2. Can I access my money??
Yes! You can borrow against it tax-free for retirement, emergencies, or anything you need.
3. Do I need this if I already have a 401(k)?
Yes — this complements your 401(k). It offers more flexibility, no penalties for early use, and tax-free income potential.
4. How much do I need to start?
You can start with a few hundred a month. Some put in more — it’s flexible and built around your goals.
5. Is this just for wealthy people?
Not at all. Families, young professionals, and business owners use IULs to grow wealth without high risk.
6. How do I know if it’s right for me?
A free consultation can show you your numbers and options — no pressure, just clarity.
Get a Personalized IUL Strategy Session