Coverage · Indexed Universal Life
Permanent life insurance designed to provide lifelong protection while offering potential cash value growth linked to a market index, subject to policy terms and limitations.
How it works
An IUL policy is designed to last your whole life, as long as it’s properly funded. Part of your premium can build cash value, and that cash value may earn interest based on the performance of a market index — without being directly invested in the market.
Most IUL policies include a cap on how much interest can be credited and a floor that helps protect against index losses. Features, caps, floors, and fees vary by carrier and policy, which is why comparing carriers matters — and why we explain every detail before you decide.
May be a good fit if
You want coverage that doesn’t expire and a policy you can build over time.
You’d like to leave something behind for the people you love.
You value being able to adjust premiums and coverage as life changes, within policy limits.
Common questions
No. Interest credited to your cash value is linked to a market index’s performance, but your cash value isn’t directly invested in the market.
Term covers a set number of years at a lower cost. IUL is designed to last your lifetime and may build cash value, but it generally costs more and requires more careful planning.
No. Interest credits depend on index performance and policy terms like caps and participation rates. Policy loans and withdrawals reduce cash value and the death benefit. We’ll walk you through illustrations so you understand the details.
IUL is a life insurance product, not an investment. Policy features, caps, floors, fees, and charges vary by carrier and policy. Coverage availability and premiums vary based on individual circumstances. Applications are subject to underwriting and carrier approval.
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