Index Universal Life

Service Description

We offer competitive Index Universal Life (IUL) products, exclusively designed for the affluent, typically a minimum $1M+ face amount with high cash value accumulation. By leveraging a secure, cash-based system, clients can access funds at low interest rates via policy loan, or a withdrawal of funds. Unlike conventional lending, this approach gives you control over your money—helping you borrow against your own resources, repay on flexible terms, and keep your financial future in your own hands. Unlike whole life, IUL's offer flexible premiums, adjustable death benefits, and cash value growth tied to the performance of a market index (such as the S&P 500). While your money isn’t directly invested in the market, your policy earns interest based on index performance, subject to caps and floors that protect you from market downturns. This gives you the opportunity for higher growth potential than traditional whole life, while still providing security, flexibility, and tax-advantaged benefits.