Maximize Your Future with Index Universal Life (IUL) Insurance
Secure your financial future with a flexible life insurance solution that offers growth potential and protection.
What Is IUL and How Does It Work?
Index Universal Life (IUL) is a permanent life insurance policy that combines life insurance protection with growth potential tied to the performance of a stock market index. Unlike traditional life insurance, an IUL allows your cash value to grow tax-deferred while providing a death benefit to protect your loved ones.
Growth tied to stock market indexes like the S&P 500.
Protection from market losses with a ‘zero floor’ strategy.
Flexible premiums and the ability to adjust coverage amounts.
Max Funded IUL: Supercharge Your IUL Investment
Max Funding your IUL account allows you to put the maximum premium into your policy while staying within IRS guidelines, which boosts the cash value of your IUL. This strategy can help maximize your returns over time, offering you greater retirement income or tax-free withdrawals.
IUL vs 401k: Which Is the Best Choice for You?
When planning for retirement, many people compare IUL insurance to traditional 401k accounts. While both are excellent retirement tools, there are some key differences. Unlike a 401k, an IUL offers tax-free retirement income, market protection with the zero floor, and no required minimum distributions.
Feature
- Tax-Free Withdrawals
- Market Protection
- Contributions Limit
- RMDs
401k
- No (taxed at withdrawal)
- No (subject to losses)
- Yes
- Yes (Zero Floor)
How IUL Insurance Builds Wealth and Secures Your Future
IUL policies offer more than just life insurance protection. They provide a way to build wealth over time through tax-deferred growth. You can access the cash value of your IUL through tax-free loans, making it a flexible financial tool for retirement, education funding, or emergencies.
Common Questions About IUL Insurance
An IUL account is the cash value portion of your IUL policy that grows based on the performance of a stock market index.
A max funded IUL involves paying the highest premium allowed to maximize your cash value growth.
Yes! IUL can offer tax-free retirement income, market protection, and flexible access to your cash value.
Ready to Take Control of Your Financial Future?
Contact us today to explore how an IUL can be customized to meet your retirement and wealth-building goals.
