Index Universal Life.

An Indexed Universal Life (IUL) insurance policy is a powerful financial tool that combines life insurance protection with the opportunity to grow cash value over time. The policy’s cash value is linked to the performance of a market index, such as the S&P 500, allowing your money to earn interest based on market gains—without the risk of losing value when the market drops, thanks to a guaranteed minimum interest rate.

One of the main reasons to get an IUL is its flexibility. You can adjust your premium payments and death benefit as your financial situation changes. The cash value can also be accessed tax-free through policy loans or withdrawals, making it an excellent source for retirement income, college funding, or emergencies.

Unlike traditional investments, IUL policies provide tax-deferred growth, meaning your money accumulates faster over time. At the same time, your loved ones are protected by a death benefit, ensuring their financial security if something happens to you.

An IUL offers a balance of protection, growth, and flexibility. It’s ideal for individuals who want lifelong coverage while building wealth safely. It helps you plan for both life and legacy—protecting your family today while preparing for a stronger financial future.