How Index Universal Life (IUL) Insurance Works

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Index Universal Life Insurance (IUL) is a powerful financial tool that provides both life insurance protection and the opportunity to build cash value over time. Unlike traditional life insurance, an IUL policy allows your money to grow based on the performance of a stock market index, such as the S&P 500, without directly investing in the market.

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Key Benefits of IUL:

 

✔️ Market-Linked Growth Without the Risk – Your cash value can grow when the market does well, but it’s protected from losses when the market declines.

 

✔️ Tax-Free Access to Cash – You can borrow against your cash value to supplement retirement, fund a business, or cover emergencies—without paying taxes on withdrawals if structured correctly.

 

✔️ Flexible Premiums & Death Benefit – Adjust your payments or death benefit to fit your changing needs.

 

✔️ Generational Wealth & Protection – Your loved ones receive a tax-free death benefit, ensuring financial security for the next generation.

 

With IUL, you’re not just securing life insurance, you’re building a tax-advantaged asset that can provide financial freedom for years to come.

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Want to learn how an IUL can work for you?  GET STARTED