An Indexed Universal Life policy grows your wealth tax-free, protects it from market loss, and creates tax-free income when you retire. It's what most business owners wish someone had shown them a decade earlier.
Most people think of life insurance as something that benefits their family after they're gone.
For term insurance, that's true. You pay premiums, your family gets a check when you die, and the policy ends. Decades of premiums — gone when the term expires.
An Indexed Universal Life policy — an IUL — is a different animal entirely.
Yes, it provides a permanent death benefit for your family. But it also builds cash value over time — cash value you can access during your lifetime for supplemental retirement income, unexpected expenses, college tuition, or any other financial need.
The cash value grows tied to a market index — with real growth potential — and a floor that means it can never decrease due to a market downturn.
See the Plain English ExplanationPermanent coverage that never expires — unlike term insurance
Cash value grows tax-deferred and can be accessed income-tax-free via policy loans
Index-linked growth with a 0% floor — you can never lose cash value to a market crash
Flexible premiums to fit your income and goals over time
Living benefits on qualifying plans (critical illness, terminal illness)
Your policy carries a permanent death benefit. Unlike term insurance, this doesn't expire after 20 or 30 years. As long as premiums are paid and the policy is maintained, your beneficiaries receive this benefit no matter when you pass away.
A portion of each premium goes into a cash value account. This earns interest based on a market index (usually the S&P 500) up to a cap, but with a floor of 0%. When markets drop 25%, you earn 0% — not negative. Your cash value is never reduced by market performance.
Over time, your cash value builds. You can access it through policy loans — typically income-tax-free — for retirement income, emergencies, education costs, or anything else. This is what advisors call the "living benefit." It's money you can use while you're alive.
Important: IUL is a long-term vehicle. Cash value builds over time — typically 10+ years before significant access is available. It is not suitable as a short-term savings vehicle. Consult with Audrey to determine whether an IUL fits your specific timeline and goals.
If you're not sure — that's exactly what the consultation is for. We'll tell you honestly whether an IUL fits your situation or whether something else makes more sense.
A 20-minute conversation can show you what your numbers could look like — at no cost and with no commitment.
No obligation. No commitment. Just your personalized illustration and a clear explanation of how it works.
Thank you. Audrey will reach out within one business day to schedule your IUL consultation and run your personalized illustration.
IUL is a long-term insurance product. Cash value projections are hypothetical, not guaranteed. Consult with Audrey to determine suitability for your specific situation.