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Earn interest linked to market index performance — with a guaranteed floor so you never lose principal.
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Indexed Universal Life insurance is a type of permanent life insurance where your policy's cash value can earn interest linked to the performance of a market index (like the S&P 500) — without directly investing in the market. Most IUL policies include a guaranteed floor, often 0%, so your cash value won't drop due to market losses, while still giving you upside participation when the index performs well.
Learn if IUL Fits You →
IUL tends to appeal to people who already have their basic protection needs covered and are looking for an additional tax-advantaged tool for long-term wealth building — often alongside, not instead of, retirement accounts like a 401(k) or IRA. Because it's more complex than term or whole life, it's worth walking through the numbers with an agent before deciding if it's the right fit for your goals.
A guaranteed floor means your cash value doesn't lose ground when the index it's linked to has a bad year.
When the linked index performs well, your cash value can grow faster than a traditional whole life policy — up to a cap.
Cash value can typically be accessed later through policy loans or withdrawals to help supplement retirement income.
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