Indexed universal life insurance is another type of permanent life insurance. This means that the policies have a cash value component in addition to a death benefit. The cash value in your policy can earn interest based on different stock market index options available in the specific policy. This is where the name “Indexed Universal Life” comes from.

While traditional whole life policies grow a cash value based on a fixed rate of return, the cash value growth inside of an indexed universal life (IUL) can vary based on how the specific indices perform.

Proper policy design is critically important on these types of plans. It is best to work with an experienced agent who knows how to design a policy that will meet your specific needs & goals. We work with the top life insurance companies offering IUL policies & our experienced agents can help you find the right product and design a plan that works best for you.

Speak with one of our licensed professionals today!