Coverage
Indexed universal life: protection with market-linked growth.
Indexed Universal Life (IUL) combines the elements of traditional universal life insurance with cash value growth potential linked to the performance of a stock market index, typically the S&P 500 — with tax-deferred accumulation.
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A unique — and not-for-everyone — option
An IUL policy lets you allocate cash value to fixed or equity-indexed accounts, referencing indexes like the S&P 500 and Nasdaq-100. Your cash value is not directly invested in the stock market, which limits downside while capturing a share of index gains.
Key advantages
- Low price
- The policyholder bears the index risk, so the premiums are low.
- Cash value accumulation
- Amounts credited to the cash value grow tax-deferred.
- Flexibility
- You control the amount allocated to indexed accounts and can adjust death benefits.
- Death benefit
- Permanent, tax-exempt, and avoids probate.
- Less risk
- Cash value is not directly invested in the stock market.
- Easier distribution
- Tax-free access to cash value through policy loans.
- Unlimited contribution
- No annual contribution caps like qualified retirement accounts.
See how this fits your numbers.
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