Protection

Indexed universal life.

Permanent coverage with cash value that can grow based on a market index, with a floor against index losses.

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Three things to know

Index-linked growth

Interest is credited based on an index like the S&P 500, up to a cap.

A floor on index losses

When the index drops, credited interest won't go below the floor, often 0%.

Flexible premiums

You can adjust payments within limits as life changes.

Caps limit how much you can earn in strong years, policy fees and charges still apply in down years, and the policy has to be funded properly to stay in force.

A strong fit if…

You want lifelong coverage plus growth potential
You want cash value you may be able to access later
You can fund it consistently over time

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IUL questions

Can I lose money in an IUL?

Index losses aren't credited to your cash value, but policy fees and charges still apply, so cash value can go down.

What's a cap?

The most interest you can be credited in a period, even if the index does better.

Can I access my cash value?

Usually through policy loans or withdrawals. How that's taxed depends on how the policy is set up and kept in force, so we walk through it with you.

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See the numbers

See how an IUL could work for you.

We'll walk you through a personalized illustration so you can see the numbers for yourself.