Indexed Universal Life Insurance (IUL)

INTRODUCTION: WHAT IS INDEXED UNIVERSAL LIFE INSURANCE?

Indexed Universal Life (IUL) insurance is a unique type of permanent life insurance that combines:

• Lifelong death benefit protection for your loved ones
• Cash value growth tied to stock market indexes (without direct market risk)
• Flexible premiums and death benefits
• Tax advantages for wealth accumulation

Think of IUL as: Life insurance that doubles as a tax-advantaged wealth-building tool.

This guide will help you understand how IUL works, its benefits and drawbacks, and whether it's the right choice for your financial goals.

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