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Enjoy growth potential without market downside risk. Your principal stays protected while your policy earns interest based on an index, typically within a capped range each year—often around a 9% ceiling and a 0% floor—linked to performance measures like the S&P 500.
Receive dependable lifetime coverage designed to safeguard you and your loved ones through many of life’s unexpected challenges, providing adaptable protection and long-term security tailored to support your family’s needs whenever circumstances change for calm care.
Grow savings efficiently by directing part of each premium into a cash-value account tied to index performance, giving you the advantage of tax-favored accumulation while participating in market-linked growth potential without taking on direct market risk long term.
Accumulate cash value with tax-deferred growth and tax-free distributions.
Capture potential index gains without direct market participation risk.
Features a floor to protect against market losses on cash value.
Provides a permanent death benefit for your beneficiaries' financial security.
Adjust premium payments to fit your budget and changing financial needs.
Borrow against the policy's cash value for major life expenses.
Create a potential supplemental tax-free income stream in retirement.
Access a portion of the death benefit if you become terminally ill.
Unlike regular life insurance, an IUL offers flexible premiums and the ability to build cash value tied to a market index, giving you both protection and growth potential.
No. Your cash value is protected by a “floor,” typically 0%, which prevents losses during market downturns.
Interest is credited based on index performance, up to a cap. If the index grows, you earn interest; if it doesn’t, your return is simply zero.
Yes. Cash value grows tax-deferred, withdrawals can be tax-advantaged, and death benefits are generally tax-free.
Yes. You may take loans or withdrawals for major needs like retirement income, emergencies, or education costs.
People who want lifelong coverage, protected growth, and a smart way to build supplemental retirement income with tax advantages.