What is an IUL?

Indexed Universal Life (IUL) is a type of permanent life insurance that combines death benefit protection with the potential to grow cash value based on the performance of a stock market index (like the S&P 500). Unlike traditional investments, your cash value is protected from market losses while still offering upside potential.

Key Features & Benefits

• Market-Linked Growth: Your policy earns interest based on index performance—without direct investment in the market.
• Downside Protection: Your cash value is never reduced due to negative market returns.
• Tax-Deferred Accumulation: Earn interest on your cash value without paying taxes as it grows.
• Flexible Premiums & Death Benefits: Adjust your contributions and coverage over time to match life’s changes.
• Access to Cash: Borrow or withdraw from your policy’s cash value for emergencies, retirement income, or major expenses.

How It Works

Each month, a portion of your premium covers the insurance cost while the rest goes toward your cash value. Your interest is credited based on an index (e.g., S&P 500) subject to caps and floors. Your money is never directly in the market, so it grows without market risk.

Ideal For:

• High-income earners seeking tax-efficient retirement options
• Families who want both life insurance and long-term savings
• Business owners looking for executive bonus or key-person policies

Why Choose AmiInsurable?

We match you with the most competitive IUL carriers based on your goals and health profile. We simplify the process with licensed advisors, education-first service, and no-pressure guidance.