Index Universal Life

IUL is a powerful financial tool that combines life insurance protection with a tax-advantaged
savings component. With IUL, part of your premium goes toward securing a death benefit for
your family, while another part builds cash value that can grow based on the performance of a
stock market index (like the S&P; 500). The key benefit? You get growth potential without the
risk of losing money when the market drops, thanks to built-in downside protection.
Policyholders can borrow or withdraw from the cash value tax-free to supplement retirement
income, cover emergencies, or even fund college. It’s flexible, secure, and built for long-term
wealth building while keeping your loved ones protected.
 

Example: Sarah, 40, buys an IUL and contributes consistently. By age 60, her policy has
built significant cash value. She uses policy loans to help her daughter pay for college and
later supplements her retirement income — all while keeping her life insurance protection
in place.