Indexed Universal Life (IUL)
Indexed Universal Life (IUL) is a flexible life insurance plan that builds cash value, offers market-linked growth with zero market-loss risk, and can create a powerful tax-free retirement strategy. It also includes optional living benefits that let you access money if you face a chronic, critical, or terminal illness.
Why Choose an IUL?
- Tax-free retirement income using IRS-approved 7702 loan strategies
- Cash value growth based on index performance (no downside risk)
- Living benefits for chronic, critical, and terminal illness
- Flexible premiums—adjust your payments anytime
- Permanent protection that never expires as long as the policy stays funded
- Estate planning benefits with tax-free death benefit
We Shop 50+ Carriers for the Best IUL Plan
No single insurance company is the best for everyone. We compare rates, living benefits, index crediting strategies, caps, participation rates, and retirement projections across 50+ top-rated carriers including:
- National Life Group
- Ameritas
- Pacific Life
- North American (NACOLAH)
- John Hancock
- Allianz
- Corebridge (AIG)
This ensures you get the best retirement growth, best living benefits, and the best approval odds for your health and age.
Who Is an IUL Best For?
- People who want tax-free retirement income
- Individuals who want cash value growth without market risk
- Families who want permanent life insurance with added benefits
- Business owners looking for executive bonus or key-person strategies
- Anyone who wants living benefits built into their protection
Start Your IUL Plan
We’ll compare your options, show you retirement projections, and find the best plan based on your goals and budget.
Call or Text: 410-240-9252
Request Your IUL Quote Today
