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Indexed Universal Life

Permanent coverage with room to grow.

Indexed universal life (IUL) is permanent life insurance that pairs lifelong protection with flexible premiums and cash value linked to the performance of a market index.

  • Permanent coverage with flexible premiums
  • Cash value tied to a market index
  • No obligation, talk it through with our team
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Who are you looking to protect?

What is indexed universal life?

Indexed universal life is a form of permanent life insurance. Like other permanent policies, it's designed to last your whole life and includes a cash value component. What makes it "indexed" is that the cash value growth is tied to the performance of a market index (such as a broad stock index) rather than a fixed rate.

IUL policies typically include a cap on how much your cash value can grow in a strong year, and a floor that limits losses in a down year. The trade-off between that cap and floor varies by policy.

Who it's a good fit for

IUL tends to appeal to people who want permanent coverage plus the potential for index-linked cash value growth, and who are comfortable with a more complex product. Because the premiums are flexible, it can also suit people who want some control over how much they pay over time.

  • You want permanent coverage, not just a set term
  • You're interested in cash value tied to index performance
  • You'd like flexibility in how you fund the policy over time

Things to understand before you buy

IUL is one of the more complex life insurance products. Returns are not guaranteed, fees and the cost of insurance can affect your cash value, and illustrations of future growth are projections, not promises. It's important to understand the caps, floors, and charges before deciding.

When you're ready, someone from our team will walk you through how an IUL would actually work for your situation, in plain language, with no pressure and no obligation.

Frequently asked questions

Is my money invested in the stock market?

Not directly. With an IUL, the cash value growth is linked to the performance of a market index, but you don't own the underlying stocks. Caps and floors typically apply. The specifics depend on the policy.

Are the returns guaranteed?

No. IUL growth depends on index performance and the policy's caps, floors, and fees. Any illustration of future values is a projection, not a guarantee. Someone from our team can walk you through realistic scenarios.

What are caps and floors?

A cap is the maximum amount of index-linked growth your cash value can be credited in a given period, and a floor is the minimum, set to limit losses when the index falls. The specific caps and floors vary by policy and can change over time, so it's important to understand them before you buy.

Can I lose money with an IUL?

A floor typically limits how much index-linked crediting can drop in a down year, but fees and the cost of insurance can still reduce your cash value over time, and returns are not guaranteed. Someone from our team can walk you through realistic scenarios.

How is IUL different from whole life?

Both are permanent life insurance with a cash value component, but whole life grows cash value at a more predictable rate, while an IUL ties growth to a market index with caps and floors and offers flexible premiums. IUL is generally more complex, and its values depend on the policy's terms and index performance.

What happens after I submit the form?

Someone from our team will reach out to understand your goals and help you decide whether an IUL is the right fit. There's no cost and no obligation to apply.

Ready to see your options?

Answer a few quick questions and someone from our team will reach out to help you compare coverage, free and with no obligation.

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