Index Universal Life
Insurance
Build cash value with market-linked growth potential while protecting your family. Flexible premiums, tax-advantaged growth, and guaranteed death benefits.
Why Choose Index Universal Life Insurance?
The perfect blend of life insurance protection and investment growth potential with downside protection.
Market-Linked Growth
Cash value grows based on market performance with protection against market losses.
Downside Protection
Your cash value is protected from market losses with guaranteed minimum interest rates.
Tax-Advantaged Growth
Cash value grows tax-deferred and can be accessed tax-free through policy loans.
Flexible Premiums
Adjust your premium payments based on your financial situation and goals.
Guaranteed Death Benefit
Your family receives a guaranteed death benefit regardless of market performance.
Living Benefits
Access your cash value for retirement income, emergencies, or other financial needs.
Covers You for Life
Unlike term insurance, IUL provides coverage for your entire lifetime as long as it's properly funded.
Builds Cash Value
Your policy accumulates cash value that grows over time, providing a valuable asset for your future.
No Age Rules
Access your cash value at any age without penalties or restrictions, unlike traditional retirement accounts.
IUL vs. Traditional Options
See how Index Universal Life compares to other financial products and why it's the superior choice.
IUL vs. Term Life
Why permanent coverage beats temporary protection
IUL vs. 401K
Why IUL offers superior retirement planning
The IUL Advantage
Index Universal Life combines the best of both worlds: permanent life insurance protection with market-linked growth potential, tax advantages, and flexible access to your money. Unlike term insurance that expires or 401K plans with restrictions, IUL provides lifetime coverage, guaranteed growth, and tax-free access to your cash value.
How Index Universal Life Insurance Works
IUL combines the protection of life insurance with the growth potential of market indices, offering a unique way to build wealth while protecting your family.
IUL Features
Growth Potential
Market-Linked
With downside protection
Premium Flexibility
Adjustable
Based on your needs
Cash Value Access
Tax-Free Loans
For any purpose
Understanding Index Performance
Learn how your IUL policy's cash value grows based on market performance with built-in protection.
Index Selection
Choose from various market indices like S&P 500, NASDAQ, or international markets.
Growth Crediting
Cash value grows based on index performance with annual caps and participation rates.
Downside Protection
Floor rates ensure your cash value never decreases due to market losses.
Annual Reset
Growth is locked in annually, protecting gains from future market volatility.
Frequently Asked Questions
Get answers to common questions about Index Universal Life insurance.
What is Index Universal Life insurance?
Index Universal Life (IUL) is a type of permanent life insurance that combines death benefit protection with cash value growth linked to market indices like the S&P 500, offering upside potential with downside protection.
How does the index crediting work?
Your cash value grows based on the performance of selected market indices. Growth is credited annually with caps on maximum returns and floors that protect against market losses.
What are the advantages of IUL?
IUL offers flexible premiums, tax-advantaged cash value growth, downside protection from market losses, and the ability to access cash value through tax-free policy loans.
Can I lose money in an IUL policy?
No, the cash value in an IUL policy is protected from market losses by guaranteed minimum interest rates (floors). Your principal is safe even in down markets.
How flexible are the premium payments?
IUL offers flexible premium payments. You can adjust the amount and frequency of payments based on your financial situation, as long as you maintain sufficient cash value to cover policy costs.
When can I access my cash value?
You can access your cash value at any time through tax-free policy loans. There are no age restrictions or penalties for accessing the accumulated cash value.
Ready to Build Wealth
While Protecting Your Family?
Index Universal Life insurance offers the perfect combination of protection and growth potential. Get a free quote today and discover how IUL can help you achieve your financial goals.
Learn About
Life Insurance
Watch these informative videos from National Life Group to better understand life insurance and estate planning.
Protect what matters most, protect your Family's financial future, with one of our policy's - Term, Whole Life, Index Universal Life(IUL), Final Expense coverage.
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These videos are provided by National Life Group, one of our trusted insurance carriers. For personalized guidance on your specific situation, contact us for a free consultation.
Trusted by Top-Rated Carriers
We partner with the best in the industry
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Transamerica
Aflac
National Life Group
Liberty Insurance
Mutual of Omaha
Royal Neighbors of America
Corebridge Financial
American Home Life Insurance Company
Baltimore Life Companies