What is A Index Universal Life (IUL) Policy?
Easy to understand and get approved with exam-free underwriting
16 Key Benefits of The IUL
Cash Value Growth
Tax-Free Advantages
Higher Returns
No Min Distributions
Liquidity Options
Flexible Premiums
Loan Options
Estate Planning
If you're looking for a smarter way to protect your family's future while enjoying compounding market-linked growth? Indexed Universal Life offers a unique blend of life insurance plus wealth accumulation to make your golden years, a little more golden!
What is Cash Value Growth?
The indexed interest crediting feature of an IUL allows policy holders to benefit from cash value growth linked to the performance of market indices like the S&P 500 for example. As the index performs, your IUL cash value prospers, providing long-term growth accumulation.
IUL vs 401k
Indexed Universal Life (IUL) offers greater flexibility in premium payments and death benefit options compared to a 401(k). With an IUL policy, you can tailor your coverage to meet your evolving financial needs. Unlike 401(k) plans, there’s no age restriction to access your funds, giving you the freedom to use your money when you need it.
What Makes this IUL Different?
EASE & ACCESSIBILITY
Simplified Process:
From explaining a IUL to getting an IUL we make the journey toward your financial future with an Indexed Universal Life (IUL) policy straightforward and hassle-free.
Direct Agent Access:
Enjoy the privilege of direct communication with your agent, ensuring personalized attention and responsive support as you navigate your Indexed Universal Life (IUL) policy.
QUALITY & TRUST
Top-Rated Carriers:
Partnered exclusively with A-rated carriers like F&G, ensuring you receive the best protection for your legacy through a top-rated Indexed Universal Life (IUL) policy.
Client-Centric Representation:
At Sura Guard™, your interests are our top priority. Our agents advocate on your behalf, ensuring your needs and goals are at the forefront when customizing your Indexed Universal Life (IUL) policy.
TAILORED PLANS
Listening to You:
Your financial goals and needs are unique. With an Indexed Universal Life (IUL) policy, our agent take the time to listen and understand, ensuring the solutions we provide are perfectly aligned with your aspirations for long-term wealth and family protection.
Unbiased Recommendations:
With a non-biased approach to product and carrier selection, we ensure you get the best Indexed Universal Life (IUL) policy tailored to your specific needs—without any pressure or sales tactics. The IUL policy is explained clearly.
Frequently Asked Questions About Buying an IUL
What’s the first step to buy an IUL?
Speak with a licensed agent to assess your financial goals, risk tolerance, and budget. A good advisor will customize your policy design.
Where can I buy an IUL?
You can buy IULs through licensed independent agents, online insurance marketplaces, or directly from top-rated insurance carriers. CLICK HERE to speak with one.
What are the best IUL companies?
Some of the highest-rated IUL providers include F&G, NLG & Ethos — but the best depends on your needs.
How much do I need to start an IUL?
Most carriers allow you to start with as little as $50–$5,000/month, but higher funding typically unlocks better performance.
Can I get an IUL with no medical exam?
Yes, some carriers offer simplified underwriting or accelerated approval options depending on your age and health.
Is an IUL better than a Roth IRA or 401(k)?
An IUL offers unique tax-free benefits and protection features that traditional retirement accounts don’t — but it can also complement them.
What should I watch out for when buying an IUL?
Avoid underfunded policies, carriers with low caps, or agents who don’t explain the moving parts. Proper design is everything.
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 You Qualify?
One of Our Trusted Carriers
A+
Outlook: Stable
AM Best
A+
Outlook: Stable
S&P Global
A+
Outlook: Stable
Fitch Ratings
A1
Outlook: Stable
Moody's Investors
Privacy Policy / Terms & Conditions
"Disclaimer: Sura Guard™ is an insurance marketing agency providing insurance products and connects potential clients with life insurance experts. We receive a fee from our partners for referrals. The information provided on this website is for general informational purposes only and should not be construed as legal, financial, or insurance advice. While we strive to keep the information accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. In no event will Sura Guard™ be liable for any loss or damage, including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website. Through this website, you may be able to link to other websites that are not under the control of Sura Guard™. We have no control over the nature, content, and availability of those sites or agents. This site is for illustration purposes only. Not everyone qualifies | Copyright, All rights reserved Sura Guard™
