Advanced Wealth Strategy
Indexed Universal Life (IUL)
A powerful, flexible permanent life insurance policy that ties your cash value growth to market indexes without risking your principal.
How IUL Works
IUL is a type of permanent life insurance. The cash value in your policy is credited with interest based on the performance of an equity index, like the S&P 500.
The key feature is the "floor" and the "cap". The floor (usually 0%) means if the market crashes, you lose no money. The cap (e.g., 10%) means your gains are limited during boom years. It provides market-linked upside with zero downside risk to your principal.
- Market upside potential
- 0% Floor - Zero downside risk
- Flexible premium payments
Who is it best for?
- Individuals who have maxed out their 401(k) and IRA and want another tax-advantaged growth vehicle.
- Business owners using it for executive bonuses or buy-sell agreements.
- People who want permanent coverage but want the flexibility to adjust their premiums year to year.
Warning
IULs are complex financial instruments with significant fees in the early years. They are not short-term investments. You should fully understand the fee structure and caps before purchasing.