Index Universal Life Insurance

Indexed Universal Life Insurance (IUL Insurance) is a form of permanent life insurance designed to provide long-term financial protection while offering the potential to build cash value over time. In addition to a death benefit that helps protect your loved ones, an Indexed Universal Life policy may provide access to living benefits and cash value, depending on how the policy is structured and how the underlying index performs.

Unlike traditional life insurance, IUL life insurance allows the policy’s cash value to be linked to market indexes rather than directly invested in the market. This structure offers growth potential while also helping limit downside risk during market downturns. For this reason, many individuals use Indexed Universal Life insurance as part of a broader financial strategy to create flexible, tax-advantaged cash value and supplement retirement income.

As a form of cash value life insurance, an Indexed Universal Life policy can serve multiple purposes, including long-term planning, income flexibility, and protection against life’s unexpected events. Proper design is essential, which is why I focus on tailoring each IUL insurance policy based on your age, budget, and financial goals.

Schedule a consultation today to explore how Indexed Universal Life Insurance may fit into your overall financial strategy.