Indexed Universal Life

Life insurance that does double duty:  Protection + tax-advantaged growth

What if your life insurance policy could also help you grow wealth? That’s the idea behind Indexed Universal Life (IUL). It combines traditional life insurance protection with the ability to build cash value over time—without putting your money at direct market risk.

With an IUL policy:

• Part of your payment covers your life insurance.
• The rest is credited interest based on stock market performance (but never below zero—even in bad years).
• Over time, your policy can build tax-advantaged savings you can borrow against for things like retirement, college, or emergencies.