Indexed Universal Life Insurance

Secure Your Future with Indexed Universal Life Insurance (IUL)

Looking for protection for life and a smart way to grow your money? Indexed Universal Life (IUL) insurance gives you both.

With an IUL policy, you get lifetime coverage for your loved ones and the potential to build cash value that grows tax-deferred. Unlike term insurance that ends after a set period, IUL protects you for your entire life— as long as premiums are paid.

But here’s what makes IUL special: your cash value growth is linked to the performance of a market index, like the S&P 500. That means you can take advantage of market gains—without risking your money in the stock market. Plus, there’s typically a guaranteed minimum interest rate, so even when the market goes down, your policy stays protected.

You also have flexibility. Pay just the minimum premium to keep your coverage, or contribute more to supercharge your cash value growth. Later, you can access your money through loans or withdrawals—for retirement, education, or any financial need.

Lifetime protection. Market-linked growth. Financial flexibility. That’s the power of Indexed Universal Life.