INDEX UNIVERSAL LIFE INSURANCE
Permanent protection. Growth without market losses.*
SEE IF AN IUL FITS YOUR GOALS
Key Benefits
Protected
IUL policies include a 0% floor, meaning market downturns don’t reduce credited interest. Your cash value can grow without direct exposure to market losses.
Flexible
Adjust premiums and coverage over time as your goals evolve. IUL offers customizable funding and access options designed to adapt to changing needs.
Tax-Advantaged
Cash value grows tax-deferred1 and can typically be accessed through policy loans or withdrawals when structured properly, offering potential tax-efficient income.
IUL Money Calculator
DEATH BENEFIT
A death benefit will be associated with the policy based on an individual's age and health.
** This tool is for educational purposes only and is not a policy illustration. A personalized, carrier-approved illustration will be provided before any purchase. Tables and charts are for educational and illustrative purposes only and are not based on any specific policy example. Assumed rates of return are hypothetical and do not represent actual or guaranteed performance. Past index performance does not predict future results. Please reference your specific policy illustration for additional details. All guarantees and contractual obligations are based solely on the claims-paying ability of the issuing life insurance company. The 0% floor applies to credited interest only and does not prevent declines in cash value due to policy charges, cost of insurance, loans, or withdrawals. Policy must be properly funded to remain in force. Caps, participation rates, charges, and terms vary by carrier and may change over time.
Access your cash value when needed
IUL policies may allow you to access accumulated value through loans or withdrawals for:
