IULs Reduce People’s Biggest Fears

Indexed Universal Life Insurance has exploded from a little-known, niche product to one of the fastest growing wealth building tools. Here’s why:


People fear they’ll die prematurely and leave their families in a poor financial position. They also fear living too long and running out of savings.
Indexed Universal Life insurance
helps with both because IULs offer a death-benefit and the ability to loan cash in the policy to yourself later in life. The death-benefit portion is pretty straightforward. Let’s say your policy has a $1,000,000 death benefit. When you pass, that $1,000,000 is paid, tax-free, to your beneficiary.


People fear they’ll die prematurely and leave their families in a poor financial position. They also fear living too long and running out of savings.
Indexed Universal Life insurance
helps with both because IULs offer a death-benefit and the ability to loan cash in the policy to yourself later in life. The death-benefit portion is pretty straightforward. Let’s say your policy has a $1,000,000 death benefit. When you pass, that $1,000,000 is paid, tax-free, to your beneficiary.

Generational Wealth Building


When you pass away, the funds accumulated in your policy can be paid to your beneficiary.

Protection From Down Markets

Funds in these policies can participate in market gains via performance of an index, such as the S&P 500, up to a cap, while being insulated from market losses, because there is usually a floor of 0% returns.

Access To Money


You can typically access the money in an active policy tax-free, while you’re alive.

Surprising Growth Potential


You could build a surprising amount of cash-value.

Clients use IUL policies for a number of reasons. We will walk you through tailoring the policy to fit your specific goals and needs. Below you will find a list of several IUL benefits along with a few videos from our team explaining how the policy works.

  • No medical exams on policy up to $1,000,000

  • Living Benefit for Critical, Chronic, and Terminal illnesses

  • Cash accumulation- some use it toward retirement supplemental income, becoming your own bank,down pmt on house or vehicle

  • Permanent coverage

  • Build Generational Wealth