Indexed Universal Life (IUL)

IUL is a type of permanent life insurance that provides both a death benefit to your beneficiaries and a cash value component that can grow based on the performance of a specified stock market index, like the S&P 500. Unlike direct investments in the stock market, your cash value has the potential to grow with the market and with a degree of protection against loss. Your premiums are flexible, allowing you to adjust them based on your financial situation.

Opening an IUL account requires selecting a life insurance provider, reviewing your coverage options, and completing any necessary paperwork or health assessments.

Step 1: Fill out the survey below CLICK HERE

Step 2: Schedule a intro call with a licensed specialist.

Step 3: Build a custom illustration with a licensed specialist.

Step 4: Fill out application and apply with the carrier.

Step 5: Get approved and make your first premium.

Approval for an IUL is just an application process and most of the time exam free underwriting. The approval time can vary depending on the carrier. Some carriers have instant decision while others take 1-4 weeks. We guide our clients through every step to ensure a smooth and efficient process.

The minimum premium for an IUL policy varies by insurance carrier and your specific policy details, including your age, health, and the amount of coverage you're seeking. Generally, there is a minimum amount needed to keep the policy active, which can be discussed during your strategy session with us.

The maximum premium you can pay into an IUL policy is determined by the IRS to ensure that the policy remains classified as life insurance and benefits from tax advantages. Exceeding these limits can turn your policy into a Modified Endowment Contract (MEC), changing its tax treatment. We'll work with you to determine the optimal premium payments to meet your goals without surpassing these limits.

A Max Funded IUL is an Indexed Universal Life policy that’s funded to the maximum allowable level to optimize its cash value growth and wealth-building potential. Max funding your Indexed Universal Life (IUL) insurance policy can provide numerous benefits, including accelerated cash value growth, enhanced death benefit protection for your beneficiaries, tax-advantaged growth, greater flexibility and control over your policy, and alignment with long-term financial planning goals. By contributing the maximum allowable premium payments, you can potentially optimize the performance of your policy, capitalize on market growth opportunities, and build a valuable asset that supports your financial security and legacy planning objectives.

If you face a critical, chronic, or terminal illness, you have the option to access portions of your death benefits to help manage your finances during these challenging times. These are complimentary benefits offered by some carriers to enhance the policy's value. However, it's important to note that not everyone qualifies for these free living benefits.

The top IUL companies offer competitive features like flexible premiums, high cash value growth, and tax-deferred accumulation. The leading company we like to use for those reasons is F&G.

Yes, an IUL offers tax-deferred growth, and you can potentially access the cash value tax-free during retirement through loans or withdrawals.

Indexed Universal Life (IUL) insurance is a type of permanent life insurance that combines a death benefit with a cash value component that grows based on a stock market index.

The best IUL company will depend on factors like customer service, premium flexibility, and cash value growth options and indexing options. We prefer F&G for those reasons.

The best IUL accounts feature competitive interest rates, strong financial ratings, and flexible policy terms, choice of indexing options and approval rates.

The best IUL insurance policy will offer robust cash value growth, high death benefits, tax advantages, and flexible premium options.

Whole Life insurance offers guaranteed premiums and cash value growth, while IUL provides flexible premiums and cash value linked to market performance, offering higher growth potential.

The cost of IUL life insurance depends on your age, health, and coverage amount. Generally, IUL premiums are more flexible than traditional life insurance. The great thing is that you get to choose your monthly premiums.

Index Universal Whole Life insurance combines whole life insurance's lifelong coverage with an IUL’s market-linked growth potential, providing both death benefit and cash value accumulation.

An Indexed Account in an IUL is a component where the cash value growth is tied to a stock market index, allowing for potential growth without direct market exposure.

To qualify for an IUL, you’ll need to go through an application process that typically includes a medical history report, criminal report, income verification, and a review of your financial goals. CLICK HERE to get started.

A Compound IUL allows for compounding interest on the cash value component, helping it grow more quickly over time with minimal risk from market downturns.

The best IUL life insurance policy offers strong market-linked growth potential, flexibility, and a reliable death benefit. Look into policies from top-rated companies like F&G, our top rated carrier.

Setting up an IUL account typically involves choosing a life insurance provider, selecting your premium and coverage options, and completing a application. CLICK HERE to begin.

An IUL policy combines life insurance protection with an investment component that grows based on a market index. It offers flexible premiums, tax-deferred growth, death benefit and if you qualify, even FREE living benefits.

To start an IUL account, contact us, speak with an agent, complete an application, choose your premium and coverage options based on your financial goals. CLICK HERE to begin.

Life Assurance insurance provides a guaranteed payout upon death, often with a fixed premium and coverage period, similar to whole life insurance policies.

The best IUL on the market offers competitive growth potential, tax benefits, and flexible terms. Look for policies from top companies like F&G, NLG, Ethos, Etc. We offer them all.

IUL stands for Indexed Universal Life, a type of permanent life insurance with cash value growth linked to a market index.

Cash value is the money that accumulates inside your IUL policy, which grows based on a stock market index and can be accessed during your lifetime.