Indexed Universal Life Insurance
Flexible, lifelong coverage with adjustable premiums and cash value growth—so your protection adapts as your life and goals evolve.
Overview
Coverage That Adapts With Your Life
Indexed Universal life (IUL) provides permanent protection with the flexibility to adjust premiums and death benefits over time. Your policy also accumulates cash value—credited with interest—that can be used for opportunities or emergencies.
Adjust premiums up or down (within policy limits).
Access cash value via policy loans or withdrawals.
Option to increase/decrease death benefit as needs change.
Who Benefits Most
Great For Changing Goals & Income
Choose IUL if you value lifetime protection plus the ability to adapt your policy as your income, family needs, or goals evolve.
Professionals with variable income seeking premium flexibility.
Families who want protection and cash value growth together.
Long-term planners who may adjust coverage over time.
Indexed Universal Life Options
Pick the IUL design that suits your risk tolerance and growth expectations.
Current Assumption IUL
Interest credited based on carrier rates; flexible premiums with guaranteed minimums.
Indexed Universal Life (IUL)
Cash value growth linked to market indexes (with caps/floors); no direct market losses.
Guaranteed IUL
Focus on lifetime death benefit guarantees with less emphasis on cash value growth.
Terms Comparison
| Feature | Term Life | Whole Life | Indexed Universal Life | Final Expense Insurance |
|---|---|---|---|---|
| Coverage Length | 10–30 years | Lifetime | Lifetime (flexible) | Lifetime |
| Premiums | Lowest | Fixed, higher | Adjustable | Fixed (generally low face amounts) |
| Cash Value | None | Guaranteed growth | Interest credited (varies by design) | Guaranteed (builds slowly) |
| Best For | Income protection | Legacy & guarantees | Adaptable needs & flexibility | End-of-life costs (funeral, medical, debts) |
Design a Policy That Grows With You
We’ll help you balance flexibility, protection, and long-term value—without the jargon.
Trusted life insurance and annuity solutions, guiding families toward secure futures with reliable coverage, financial stability, and peace of mind.
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