Indexed Universal Life (IUL) Insurance

Indexed Universal Life (IUL) insurance is a form of permanent life insurance that provides lifelong coverage, as long as policy requirements are maintained.
In addition to a death benefit that protects your loved ones, an IUL policy has the potential to build cash value over time based on the performance of a market index —while protecting against market losses.
These policies offer flexibility, allowing you to adjust premiums and coverage as yoneeds change. Over time, the accumulated cash value may be accessed through policy loans or withdrawals and may provide tax-advantaged income that can be used to supplement retirement, depending on how the policy is structured and maintained.
Some IUL policies may also include living benefits, which can provide access to funds during certain qualifying health events.