Build Wealth While Protecting Your Family
Indexed Universal Life insurance combines protection with tax-advantaged cash value growth.
IUL policies let you grow wealth tied to stock market performance with a guaranteed floor — you participate in gains but are protected from losses. Cash value grows tax-deferred and can be accessed as supplemental retirement income.
Market-Linked Growth
Cash value tied to index performance with downside protection
Tax Advantages
Tax-deferred growth and tax-free policy loans
Guaranteed Floor
Your cash value never decreases due to market losses
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Frequently Asked Questions
What is an IUL and how does it work?
An Indexed Universal Life policy is permanent life insurance that builds cash value based on stock market index performance (like the S&P 500). You get a guaranteed minimum rate (floor) so you never lose money in down markets, while participating in gains during up markets.
Is IUL a good retirement savings vehicle for veterans?
IUL can complement military retirement benefits (pension, TSP) as a tax-advantaged savings vehicle. Cash value grows tax-deferred and can be accessed via tax-free policy loans for supplemental retirement income.
How much should I put into an IUL?
This depends on your financial goals, age, and existing retirement savings. A licensed professional will help determine the right premium and coverage structure for your situation.
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