Market-linked growth with a guaranteed floor.
IUL policies combine lifelong protection with cash value tied to a market index — you participate in gains up to a cap and are shielded from losses by a contractual floor. Used correctly, an IUL is a tax-advantaged asset for retirement, business, and legacy.
Benefits
0% floor means market downturns do not erase your cash value.
Policy loans can supplement retirement income without triggering income tax when structured properly.
Death benefit and living benefit riders address chronic, critical, and terminal illness.
FAQ
No. It is a life insurance contract with cash value that credits interest based on index performance — subject to caps, floors, and participation rates.
High earners maxing out qualified plans, business owners, and families seeking tax diversification in retirement.