Indexed Universal Life insurance
Protection today,
growth for tomorrow
Permanent coverage with cash value linked to a market index.
What it is
Indexed universal life (IUL) is permanent life insurance whose cash value can earn interest based on a market index, with a floor that protects against market losses. Caps, participation rates and fees apply.
Who it's for
- Higher earners who want permanent coverage plus tax-advantaged growth potential
- People who want flexible premiums and the option to access cash value later
- Families who understand the trade-offs and will fund the policy consistently
Simple from start to finish
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Design the policy
Your agent illustrates coverage, premium and projected cash value, with the assumptions shown.
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Choose index options
Select how interest is credited. Growth is capped, and a floor limits losses.
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Review every year
IULs need monitoring. We review performance and adjust premiums if needed.
Prices, features and availability vary by carrier, state, age, health and underwriting. Your agent will provide exact quotes from the carriers available to you.
Free, no-obligation quote
See what coverage costs for you
Answer a few quick questions and a licensed agent will compare plans from multiple carriers. It takes about two minutes.
- ✓No pressure, no obligation
- ✓Multiple top-rated carriers compared
- ✓A real licensed agent, start to finish
FAQs
Protect your family today
Life insurance generally costs more the older you get. A licensed agent can show you real prices in minutes, free and with no obligation.