The Power of Indexed Universal Life (IUL)

Indexed Universal Life insurance is one of the most flexible and forward-thinking options available today. It offers the protection of permanent life insurance, with the added advantage of building cash value linked to market performance—without ever risking your principal in market downturns.

Each month, a portion of your premium goes toward the death benefit, while the rest accumulates in a cash value account that earns interest based on an index, such as the S&P 500. When the market grows, your policy captures some of that upside. When it falls, your account stays protected with a 0% floor.

The result? Steady, tax-advantaged growth over time that can later be used for retirement income, emergencies, or even opportunities—without interrupting the policy’s protection. With strategic design, your IUL becomes more than just insurance—it’s a long-term financial tool.

“Protection when life is uncertain, and growth when it’s not.”