Market Upside.
Zero Downside.
An Indexed Universal Life policy is a permanent life insurance policy that builds cash value tied to a stock market index — like the S&P 500 — but without ever being directly in the market. When the index goes up, your account earns a credited interest rate. When the market drops, your floor kicks in: you earn zero, never negative.
Over time, that cash value grows tax-deferred and can be accessed tax-free through policy loans — creating a powerful personal bank you control. It's the product that works as hard in retirement as it did the day you bought it.
Floor of 0% — your cash value can never go backward due to market losses.
Tax-deferred growth — you don't owe taxes on gains while the money is inside the policy.
Tax-free income — policy loans aren't taxable income, creating a powerful retirement stream.
Death benefit included — your family is protected from day one, not just when the cash value is high.
Living benefits — many policies include riders for chronic, critical, or terminal illness at no extra cost.
