Create Generational Wealth with the Power of Indexed Universal Life Insurance (IUL)
Generational wealth isn’t just for the ultra-rich — it’s for anyone with the right plan. Indexed Universal Life (IUL) insurance offers a powerful strategy to grow and protect your wealth, while ensuring your loved ones inherit a lasting legacy. With tax-free growth, flexible access to cash, and a guaranteed death benefit, an IUL can be the foundation of a long-term financial plan that benefits your children, grandchildren, and beyond.
Why IULs Are Perfect for Building Generational Wealth?
Tax-Free Wealth Transfer
Your loved ones receive a tax-free death benefit that avoids probate and estate taxes.
Living Benefits You Can Use Today
Access your IUL’s cash value tax-free while you’re alive — to invest, pay off debt, or fund opportunities. Also if you become critically, chronically or terminally ill.
Market-Linked Growth Without Risk
IULs grow based on a market index but protect you from losses — your cash value is protected.
Compound Growth for Future Generations
The cash value in your IUL compounds year after year — building long-term wealth you can pass on.
Legacy Planning with Control
You decide how and when benefits are distributed — ensuring your vision for your family’s future is carried out.
Avoid Probate Delays
Assets in your IUL pass directly to your beneficiaries — no court involvement or waiting.
Generational Wealth Engine
Most people think of life insurance only as a safety net, but an IUL is much more. It’s a living financial asset that grows tax-deferred and gives you the ability to access funds during your lifetime, all while securing a tax-free death benefit. You can use it to fund retirement, invest in your children’s education, or start a family trust. Best of all, it allows you to pass on wealth without the risks of market crashes or probate delays. With the right strategy, an IUL becomes a generational wealth engine — built to grow, protect, and transfer assets efficiently.
FREE Index Universal Life Illustrations
The most challenging part of securing an Index Universal Life (IUL) policy is the approval process. Discover how to get an IUL and see if you qualify!
Top 10 - NEXgen Wealth FAQs
What is generational wealth?
Generational wealth refers to assets passed down from one generation to the next — like savings, property, or insurance policies.
How does an IUL help build generational wealth?
An IUL grows tax-deferred, provides lifetime access to cash, and pays a tax-free death benefit — all ideal for legacy planning.
Can I use the money in my IUL while I’m alive?
Yes. You can borrow against the cash value tax-free for retirement, education, or investment purposes.
Is the death benefit taxed?
No. Your beneficiaries receive the death benefit 100% tax-free under most current tax laws.
What makes an IUL better than a savings account or investment fund?
An IUL combines protection, growth, tax advantages, and legacy tools all in one — with zero market risk to your cash value account.
Can I structure an IUL to benefit multiple generations?
Yes. You can build a legacy plan using trusts or staggered payouts to support children and grandchildren.
How much do I need to start an IUL?
Policies are flexible. You can start small and scale over time based on your financial goals and timeline.
James P.
"I'm not nervous that I won't have anything put aside for retirement anymore. Thank you Sura Guard"
Tom & Jan - Satisfied Clients
"Sura Guard made the process of getting an IUL easy and understandable. We feel confident about our financial future."
John C - Satisfied Client
"I wish I had discovered the IUL sooner. Thanks for prompting me to take action now rather than never."
Do I qualify for a IUL?
I want to build generational wealth
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