Indexed Universal Life Insurance
Flexible permanent coverage with market-linked growth potential
Indexed Universal Life (IUL) insurance combines the lifelong protection of permanent life insurance with the potential for cash value growth linked to a stock market index like the S&P 500 — without the risk of direct market loss.
Why choose indexed universal life insurance?
Market-Linked Growth
Cash value growth tied to a stock index, capturing upside potential while protecting against losses.
Zero-Floor Protection
A 0% floor guarantees your cash value never decreases due to market downturns.
Flexible Premiums
Adjust your premium payments and death benefit as your income and financial needs evolve.
Tax Advantages
Cash value grows tax-deferred. Policy loans and withdrawals can be completely tax-free under proper structuring.
How it works
Getting indexed universal life insurance is easier than you think
Tell us your goals
Share your protection needs, retirement income goals, and timeline. Our advisors will map out an IUL strategy tailored to you.
Free consultationWe design your strategy
Our licensed advisors select the right index allocations, premium structure, and riders to maximize your policy's performance.
Expert-designed planActivate and start growing
Complete your application and your IUL policy begins building indexed cash value with full downside protection from day one.
Tax-deferred from day 10%
Minimum floor rate (no losses)
S&P 500
Index benchmark option
Tax-free
Potential policy loan income
Flexible
Premium schedule
Frequently asked questions
Ready to protect your family?
Get your personalized indexed universal life insurance quote in under 2 minutes.