The most powerful tool in modern financial planning with market-linked growth and tax-free income potential.
The most powerful tool in modern financial planning. IUL combines permanent life insurance protection with market-linked growth — giving you upside potential without the risk of market losses.
Get an IUL IllustrationYour cash value is tied to a market index (like the S&P 500). When the market goes up, you capture gains up to a cap. When it goes down, you're protected by a 0% floor — you simply don't lose.
Withdrawals and loans from the cash value of an IUL policy are generally income-tax-free, making it one of the few vehicles that can supplement retirement income without adding to your tax burden.
Many IUL policies include accelerated death benefit riders — allowing you to access a portion of the death benefit while still alive if you're diagnosed with a critical, chronic, or terminal illness.
Unlike whole life, IUL policies offer flexible premium payments and adjustable death benefits — so your policy can adapt as your income, family, and financial goals evolve over time.
A portion covers the cost of insurance (death benefit). The rest goes into your policy's cash value account.
Your cash value is credited based on the performance of a chosen index, subject to a cap (max gain) and a floor (0% minimum).
Over time, your cash value accumulates tax-deferred — growing through index credits and compounding interest within the policy.
In retirement, you take tax-free loans or withdrawals from your cash value — supplementing Social Security or other retirement income.
Maxing out your 401(k) and Roth IRA? An IUL offers an additional tax-advantaged bucket with no IRS contribution limits.
IUL can serve as a tax-efficient supplemental retirement plan, executive benefit strategy, or key person protection vehicle for your business.
IUL adds a tax-free, market-protected income stream that complements Social Security, 401(k) distributions, and other retirement assets.