An IUL credits growth when the index rises and holds a 0% floor when it falls. Get a personalized illustration showing what that could mean for you.
Takes about a minute. No obligation.
The short form above — about a minute of your time.
A licensed agent compares options from top-rated carriers for your profile.
Review real numbers, ask questions, and move forward only if it makes sense.
An IUL is life insurance first — a death benefit for your family — with cash value that can grow based on index performance, subject to caps and participation rates.
When the index falls, the 0% floor means your credited rate doesn't go negative (policy costs still apply).
Adjustable premiums and death benefit, plus access to cash value through policy loans and withdrawals.
An indexed universal life (IUL) policy is permanent life insurance whose cash value earns interest linked to the performance of a market index such as the S&P 500. When the index rises, your cash value is credited interest up to a cap or participation rate; when the index falls, a 0% floor means the credited rate does not go negative — though policy charges still apply.
People choose IULs for three main reasons: a lifetime death benefit for their family, tax-deferred cash value growth with downside protection, and flexible access to that cash value through policy loans — often used to supplement retirement income.
An IUL is not an investment and results depend heavily on policy design, funding level, caps, and costs. The only honest way to evaluate one is a personalized illustration from a licensed agent showing realistic and conservative scenarios side by side. Request yours above — it is free.
IUL mechanics explained honestly — index crediting, caps and floors, policy costs, and what an illustration really tells you.
The real advantages and disadvantages of indexed universal life insurance — who IULs genuinely fit, and the red flags that signal a bad deal.
A clear-eyed comparison of indexed universal life and 401(k) plans — taxes, fees, limits, and the sensible order of operations for retirement savers.
No — it's permanent life insurance. Cash value growth is linked to an index but you're never directly invested in the market. Caps, participation rates, and policy costs all affect results.
Yes, typically through policy loans and withdrawals, which reduce your cash value and death benefit and can lapse the policy if overused. Your illustration will show how this works.
IULs are highly customizable. A personalized illustration shows realistic numbers for your age, health, and funding level — it's the only honest way to evaluate one.