Invest In Your Future
Rock Solid Compound Interest
Discover how people have leveraged cash value for over 100 years to grow their assets and minimized the amount of taxes paid legally with Indexed Universal Life (IUL).
Why Indexed Universal Life Insurance?
Indexed Universal Life (IUL) insurance is a type of permanent life insurance that offers the potential for cash value growth based on the performance of a stock market index, such as the S&P 500. Some key aspects of IUL include:
Flexibility
IUL policies typically offer flexible premium payments, death benefit options, and the ability to adjust the policy’s cash value or death benefit over time.
Indexed growth
The cash value of an IUL policy can grow based on the performance of a stock market index, with a cap and floor on the potential growth. This means that the cash value can’t decline due to market downturns, but it also won’t grow as much as the index during strong market conditions.
Tax-advantaged savings
The cash value of an IUL policy can grow on a tax-deferred basis, similar to other types of permanent life insurance.
Living benefits
Some IUL policies offer living benefits, such as the ability to access the policy’s cash value through loans or withdrawals. This can be used as a source of retirement income or to help cover unexpected expenses.
What we do
Discover The Power of IUL
Use Index Universal Life Insurance to build cash value for the future.
Plan
IUl For Kids
The cash value can be used to help pay for future expenses such as college tuition, while the death benefit can provide financial protection for the child’s family in the event of their passing.
Grow
IUL For Adults
offers the potential for cash value growth based on the performance of a stock market index, such as the S&P 500, and the death benefit can provide financial protection for the policyholder’s family in the event of their passing.
Manage
Financial Education
Learn the ability to understand and make use of a variety of financial skills, including personal financial management, budgeting
Frequently Asked Questions
What is index universal life insurance?
Indexed universal life (IUL) insurance is permanent, which means it lasts your entire life and builds cash value. An IUL policy allows for some cash value growth through an equity index account, unlike other universal policies that only grow cash value through non-equity earned rates. Like with all universal life policies, once you’ve built up enough cash value, you can use it to lower or potentially fully pay for your premium without lowering your death benefit.
How does an IUL work?
As a type of permanent life insurance, indexed universal life insurance works similarly to universal life policies, except in the way they build cash value. IUL cash value allows for growth based on a stock index (a set grouping of various stocks) instead of only through non-equity earned rates. Like universal life, IUL offers the flexibility to adjust your premium as the cash value grows, with the potential to eventually achieve a zero-cost policy in which all premiums are paid for by your built-up cash value.
How is interest calculated on IUL?
IUL policies allow you to grow your cash value by putting a portion toward an equity index account like the S&P 500 or NASDAQ. Rather than only relying on non-equity earned rates, an equity index account grows based on the index of an entire market or market sector. The interest rate will still be variable, like with other universal life policies. And as with all universal life policies, your IUL cash value will have a minimum interest rate that it will always earn, regardless of market performance.
Are withdrawals from an IUL tax free?
IULs are funded with post-tax dollars, allowing clients to withdraw money tax-free at any age, and create tax-free (off-tax return) income at a future date. In addition, when compared to an IRA or 401(k), IULs provide more flexibility.
Can you retire on an IUL?
The major benefit of using an IUL in your retirement planning is the benefit of choice. IUL owners enter retirement with an additional asset that is guaranteed not to lose value in down markets and could significantly outperform other investments with similar risk profiles.
How soon can I take money out of my IUL?
Unlike retirement plans such as IRAs or 401(k)s, IULs don’t require you to reach a certain age before withdrawing funds
