Indexed Universal Life (IUL) Insurance is a permanent life insurance policy that provides lifelong coverage while allowing the policyholder to build cash value based on the performance of a stock market index, such as the S&P 500.

Unlike traditional whole life insurance, which offers a fixed interest rate, IUL gives you the opportunity for higher returns by linking your cash value growth to an index. However, it also includes downside protection, ensuring that even if the market declines, your policy will not lose value due to market losses.

Key Features:

• Lifetime Coverage – The policy stays in effect as long as premiums are paid.
• Cash Value Growth – The policy accumulates cash value based on stock market index performance.
• Market Protection – Policies include a floor rate, so you never lose money due to market downturns.
• Flexible Premiums – You can adjust your premium payments and death benefit over time.
• Tax-Advantaged Growth – The cash value grows tax-deferred, and withdrawals may be tax-free if structured correctly.
• Loan Access – Borrow against your cash value if needed for financial flexibility.

IUL is often chosen by individuals who want life insurance with an investment component, allowing them to grow wealth while ensuring financial security for their loved ones.