Discover how to grow your wealth, protect your family, and enjoy a tax-free retirement with the financial tool trusted by high-net-worth individuals.
Why Index Universal Life
A sophisticated financial tool that combines protection, growth potential, and unmatched tax advantages.
Downside
Protection
Your cash value is protected from market losses with a guaranteed floor rate. When the market drops, your principal stays safe.
0% Floor Protection
Triple Tax
Advantage
Tax-deferred growth, tax-free death benefit, and tax-free access to your cash value. A powerful combination for wealth building.
Zero Tax on Gains
Ultimate
Flexibility
Adjust premiums, access your cash value anytime, and modify your death benefit as your life evolves. Your policy adapts to you.
Full Control
Your cash value grows based on market index performance, with built-in protection and tax advantages.
Step 01
Index-Linked Growth
Your cash value is linked to market indexes like the S&P 500, capturing upside potential without direct market investment.
Participation rates typically range from 25% to 100%+
Step 02
Floor Protection
A guaranteed minimum rate protects you from market losses. When the market drops, your principal stays safe.
Typical Floor: 0-1% Guaranteed Minimum
Step 03
Cap on Returns
Returns are capped on a maximum rate, balancing growth potential with downside protection and policy sustainability.
Typical Cap: 8-12% Annual Maximum
Step 04
Tax-free Access
Access your accumulated cash value through policy loans and withdrawals, generally tax-free for supplemental income
No age restrictions or early withdrawal penalties
Index Universal Life is ideal for individuals seeking tax diversification and long-term wealth building.
High-Income Earners
Those who have maxed out 401(k) and
IRA contributions and need additional
tax-advantaged savings.
Risk-Conscious Investors
Individuals seeking market participation
with downside protection and
guaranteed minimums.
Legacy Builders
Families wanting to create
a tax-free inheritance for
future generations.
Business Owners
Entrepreneurs using IUL for
key-person insurance,
buy-sell agreements, or executive benefits.
Get answers to the most common questions about Index Universal Life Insurance.
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Have more questions? Our comprehensive guide covers everything you need to know.
Download our comprehensive guide and discover how Index Universal Life Insurance can transform your wealth-building strategy.
© 2026 Index Universal Life Guide. All rights reserved.
This guide is for informational purposes only and does not constitute financial or legal advice.
Please consult with a qualified professional before making any financial decisions.