Indexed Universal Life (IUL) Insurance, explained.
Permanent coverage with growth tied to a market index — floor protected, capped on the upside.
Indexed Universal Life (IUL)
Indexed Universal Life is permanent life insurance with cash value growth linked to a market index (often the S&P 500). Down years are protected by a floor (typically 0%); up years are participated in, subject to a cap or participation rate.
IUL is one of our specialties. Used as a long-term planning tool, it can combine permanent coverage, tax-advantaged cash accumulation, and downside protection. It is not for everyone — but for the right situation, it is hard to beat.
Is this for you?
Inside a Indexed Universal Life (IUL) policy.
When this coverage pays off.
Tax-advantaged supplemental income
An IUL designed for retirement income — policy loans in retirement can be received tax-free when structured properly.
Permanent coverage + cash growth
A policy that grows in good market years and is protected in bad ones.
Long-term family legacy
A multi-decade plan combining death benefit and growth.
Plain-language answers.
No. IUL fits some situations beautifully and others poorly. Our job is to tell you which one you are.
The maximum credit in a strong year (varies by carrier and strategy). Caps move with rates — we model multiple scenarios.
Fixed IULs have a 0% floor. In a down market year, your credited interest rate never goes below 0% — the market decline does not reduce your indexed cash value (policy charges still apply). That downside protection is the core reason clients choose IUL.
No — projections use illustrated rates. The floor and death benefit are guaranteed; index gains are not.
Ready for a Indexed Universal Life (IUL) quote?
Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.