Indexed Universal Life Insurance (IUL)

Permanent Life Insurance and Wealth Accumulation

Indexed Universal Life (IUL) insurance combines permanent lifetime coverage with the potential to build cash value over time. The policy’s cash value growth can be linked to the performance of major market indexes, such as the S&P 500, while typically offering downside protection through a minimum crediting floor, subject to the specific terms, caps, participation rates, fees, and conditions of the policy.

Tax-Advantaged Access to Cash Value

The cash value accumulated within an IUL policy may receive favorable tax treatment under U.S. tax law. Policyholders may be able to access accumulated cash value through policy loans or withdrawals, potentially on a tax-advantaged basis when the policy is properly structured and maintained. This can make IUL a useful option for retirement planning, funding higher education, or building a long-term financial safety net.