Indexed Universal Life (IUL) is a category of permanent life insurance in which the policy’s cash value is linked to the performance of an external market index, such as the S&P 500. Depending on the policy design, features may include a cap (maximum credited interest rate), participation rate, floor (often 0% to protect against market losses), and premium structure that can influence policy performance and no-lapse guarantees.
A properly structured Indexed Universal Life policy is about more than life insurance.
Our complimentary educational series explains how an IUL policy may help support tax-advantaged retirement income, financial flexibility, family protection, and other long-term financial goals.
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