Indexed Universal Life Insurance
What is Indexed Universal Life Insurance?
Indexed Universal Life Insurance (IUL) is a type of permanent life insurance that not only provides lifelong coverage and a guaranteed death benefit for your beneficiaries, but also offers the potential for cash value growth tied to the performance of a selected stock market index, such as the S&P 500. Unlike traditional policies, IUL allows policyholders to benefit from market-linked gains while being protected by a floor that shields them from negative market downturns. It also features flexible premium payments, adjustable death benefits, and the ability to build tax-deferred cash value over time, which can be accessed through policy loans or withdrawals for future needs like retirement income, emergencies, or major expenses. Because it combines financial protection with the opportunity to accumulate wealth, IUL is often chosen by individuals who want long-term security, growth potential, and customizable policy options that can adapt to their changing financial goals.
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