Permanent coverage with cash value tied to market index performance — with downside protection.
Indexed Universal Life (IUL) is permanent insurance with a cash value account whose growth is linked to a market index — like the S&P 500 — but with a floor that protects you from market losses. You get market-style upside with built-in downside protection.
Premiums are flexible — you can pay more in strong years and less in lean ones. Cash value earns interest based on the chosen index's performance, subject to a 'cap' (maximum credit) and a 'floor' (usually 0%, so you never lose money to market drops).
High earners who've maxed out 401(k) and IRA contributions, business owners seeking tax-advantaged supplemental retirement income, and long-term planners comfortable with a 10+ year time horizon.
IULs are complex. Caps and participation rates can change. Underfunding the policy can cause it to lapse later. Best understood as a long-term planning tool — not a short-term investment. We'll model multiple scenarios before you commit.