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Understanding Indexed Universal Life (IUL) Insurance
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An Indexed Universal Life (IUL) insurance policy gives you lifelong protection and the potential to grow cash value through market-linked crediting—without exposing your money to stock market risk. It’s flexible, tax-advantaged, and designed for people who want long-term financial security, retirement income options, and peace of mind for their family.
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An IUL policy combines life insurance protection with cash-value growth potential. Part of your premium covers insurance costs, and the rest builds savings that earn interest based on a market index (like the S&P 500®). When the market performs well, your policy earns indexed interest—when it drops, your principal stays protected.
Traditional term life only covers you for a set number of years, and whole life can be more rigid. An IUL offers flexible premiums, adjustable coverage, and tax-advantaged cash value growth. It can help supplement retirement income, cover emergencies, or even fund college expenses—while keeping your loved ones protected for life.
Yes. IUL policies include a built-in protection floor, meaning your cash value won’t decrease when the market declines. You capture part of the market’s upside without suffering its downside—making IULs a smart choice for conservative growth with guaranteed protection.
The cash value inside your IUL earns interest tied to an index, not direct market investments. Each year, the insurer credits interest based on the index’s performance, up to a cap rate. Your gains lock in annually, helping your policy steadily grow over time—tax-deferred and protected.
Yes. You can take tax-free loans or withdrawals from your policy’s cash value for nearly any purpose—retirement income, paying off debt, or helping children or grandchildren with education costs. Your policy keeps growing even while you use it, giving you living benefits and flexibility for life’s milestones.
Your beneficiaries receive a tax-free death benefit, ensuring your family’s future is secure. Depending on how your IUL is structured, your cash value may also enhance the death benefit, leaving an even greater legacy of protection and peace of mind.
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An IUL can do more than protect—it can help you build wealth safely, create lifetime income, and leave a lasting impact.
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