Life Insurance That Builds Cash Value

Protection today, wealth for tomorrow. Discover indexed universal life insurance.

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Why Choose Indexed Universal Life?

IUL combines the protection of life insurance with the wealth-building potential of market-linked growth.

Dual Purpose

Get a permanent death benefit for your family AND a cash value account that grows over time. Two benefits in one policy.

Tax-Free Growth

Your cash value grows tax-deferred and can be accessed tax-free through policy loans. A powerful retirement supplement.

Flexibility

Adjust your premiums and death benefit as your life changes. Access your cash value when you need it most.

How It Works

1

Share Your Goals

Tell us about your protection and wealth-building needs.

2

Expert Match

We connect you with an IUL-specialized advisor.

3

Review Illustrations

See projected cash value growth and death benefit options.

4

Start Building

Choose your plan and begin building tax-free wealth.

Get Your Free IUL Illustration

See how an IUL policy could work for you. A licensed advisor will walk you through a personalized illustration.

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Frequently Asked Questions

Your cash value is credited interest based on the performance of a stock market index (like the S&P 500), but with a floor that protects you from losses. You participate in market gains up to a cap, while never losing money to market downturns.

You can access cash value through tax-free policy loans or withdrawals. Many people use this as supplemental retirement income, for education funding, or emergency cash.

Term life provides coverage for a set period and has no cash value. IUL is permanent coverage that lasts your entire life and accumulates cash value. IUL premiums are higher, but the policy builds an asset over time.

IUL works well for high-income earners who have maxed out other tax-advantaged accounts, business owners seeking tax-efficient savings, and families wanting both protection and long-term wealth building.

IUL policies are complex and caps on growth may limit returns in strong markets. If underfunded, the policy could lapse. A qualified advisor will design an illustration that accounts for these factors.