Talk to a Local
Insurance Advisor
(713) 367-4879
Call to Our Experts
Protection + Wealth Building In One Policy
Indexed Universal Life (IUL) is a permanent life insurance policy that does two things simultaneously: it protects your family with a tax-free death benefit, and it builds cash value that grows linked to a stock market index — without the risk of market losses.
Unlike traditional investments, your IUL cash value is protected by a 0% floor. When markets go up, you participate in the gain. When markets go down, you lose nothing. That's the power of IUL.
Main Features
- Participate in S&P 500 index gains — capped but protected
- 0% floor means your cash value never decreases due to market loss
- Withdraw or borrow against cash value income-tax-free in retirement
- Living benefits for critical illness, chronic illness, and terminal illness
- Flexible premiums — adjust contributions as your income changes
- Death benefit transfers to heirs income-tax-free
Why People Choose IUL
IUL is one of the most versatile financial tools available — combining protection, growth, and tax efficiency in a single policy.
-
Index-Linked Growth
Your cash value grows based on the performance of market indices like the S&P 500. In strong years, you earn significant credits without directly investing in the market.
-
Guaranteed 0% Floor
When the market falls, your IUL cash value is protected. The 0% floor ensures you never lose credited gains due to market downturns — ever.
-
Tax-Free Retirement Income
Policy loans and withdrawals from an IUL are generally income-tax-free, making it a powerful supplement to taxable retirement accounts like 401(k)s.
-
Living Benefits Riders
Access your death benefit early if diagnosed with a critical, chronic, or terminal illness. IUL provides financial protection while you're still alive.
