Indexed Universal Life (IUL)
Smarter growth. Tax-free flexibility. Protection that adapts.
Indexed Universal Life (IUL) policies combine market-linked growth with long-term tax advantages giving you control, liquidity, and flexibility your 401(k) can't match.
Not your average life insurance.
IUL isn't about a “death benefit” you'll never see. It's about building a living financial tool that grows tax-deferred, can be accessed tax-free, and provides permanent protection for the people you care about.
Borrow your cash value and still earn growth on it
With an IUL, your cash value keeps earning interest even when you borrow against it. Instead of withdrawing funds, you can borrow from your policy while your money stays invested and continues to compound. It's the foundation of the “be your own bank” strategy: liquidity without giving up performance.
Growth.
Access.
Legacy.
Borrow from strength — not from weakness.
When markets are down, liquidating investments can lock in losses. With an Indexed Universal Life policy, you can access your policy's cash value through loans instead, letting your other assets recover while your policy continues earning indexed interest.
Most people focus on how much their money earns but what matters even more is how much you actually keep. If you earn 9% in a traditional investment account, you might only net around 6-7% after federal and state taxes. Over time, that tax drag can cut your long-term wealth by 30-40%.
Indexed strategies like IULs or tax-free income designs help reduce that drag allowing your gains to grow without annual taxation and giving you access to your money later without triggering taxable events.
Because smart retirement planning isn't just about chasing returns, it's about building tax-efficient wealth.
Protection you can use while you're alive.
Modern IULs include living benefit riders that let you access part of your death benefit early in case of a chronic, critical, or terminal illness. That means you can use your policy to cover medical costs, home care, or income replacement without depleting your savings or investments.
Build your own tax-free plan.
We'll walk you through how an IUL can work for your goals, growth, protection, or legacy without pressure or jargon.
