Market Growth • Zero Downside Loss

Indexed Universal Life (IUL)

Permanent coverage that combines financial protection with market-indexed growth potential. Earn interest based on stock index performance while keeping your principal 100% protected against market downturns.

Calculate IUL Rate Speak with T. Palmer

Why Choose an IUL Policy?

0% Floor: You never lose money due to market drops

Tax-free retirement income via policy loans

Flexible premiums and customizable coverage limits

Index-Linked Growth

Cash value growth is linked to major market indices like the S&P 500, offering strong upside potential.

0% Downside Protection

Includes a guaranteed 0% floor—if the stock market drops, your principal and previously credited interest remain safe.

Flexible Premiums

Adjust your premium payments and death benefit amounts as your income or financial goals evolve over time.

Tax-Free Retirement Income

Access policy cash value through tax-free loans during retirement without triggering income tax penalties:

Tax-free withdrawals up to cost basis
Low-cost or zero-cost policy loans
No mandatory distribution age (unlike 401ks)
Does not count against Social Security tax formulas

Is It Right for You?

Ideal for individuals seeking permanent protection with wealth-building potential.

Desire upside potential without downside market risk
Looking for supplemental tax-free retirement options
Want lifetime coverage with adjustable payment plans

Example: During a market crash, an IUL earns 0% instead of losing 20%, keeping built-up savings fully intact.

Living Benefits Included

Access a portion of your death benefit tax-free during your life if diagnosed with a qualifying medical condition:

Covered Conditions: Terminal illness, chronic illness, critical illness, or critical injury.

Important Considerations

Key factors to structure properly with your broker:

Growth is subject to annual caps, participation rates, and spreads
Minimum premiums must be maintained to keep policy active
Requires proper long-term funding to maximize cash performance

How IUL Compares

Key advantages compared to traditional options:

vs. Whole Life: Higher potential growth linked to market indices
vs. 401(k)/IRA: Tax-free income access without contribution caps or early withdrawal penalties
vs. Direct Investing: 0% floor protects against market drops