Interest linked to an index
Cash value earns interest based on a market index, without your money being invested in the market.
Retirement income review
Life insurance that builds money you can use later.
Indexed universal life (IUL) is permanent life insurance with cash value linked to a market index. Answer a few questions and a licensed agent will show you how it could fit next to your current savings.
- Licensed agents
- Death benefit plus cash value
- No obligation
Did you know?
$2,0891Average monthly Social Security retirement benefit
42%2Of pre-retirement earnings for a medium earner claiming at 67
Social Security was never meant to cover everything. An indexed universal life policy builds cash value you can draw on later, on top of a death benefit for your family.
What the review covers
Why indexed universal life?
A floor against losses
Credited interest usually has a 0% floor, so a down year in the index does not reduce credited interest. Policy charges still apply.
Cash value you can use
Borrow against the cash value for retirement income, college or emergencies. Loans reduce the death benefit until repaid.
Life insurance first
Your beneficiaries receive the death benefit, whatever the market did that year.
Why it matters
With vs. without coverage
With coverageWithout
Market down year0% floor on credited interestSavings can lose value
Access to moneyLoans against cash valueWithdrawals from savings only
Your familyDeath benefit in placeNo benefit if you pass
Retirement incomeA second source to draw onSocial Security alone
How it works
Three simple steps.
Check your ZIP
Enter your ZIP code to see what's available in your state.
Answer a few questions
About 60 seconds. No medical exam, no paperwork.
Talk with a licensed agent
They explain your options and the real prices. You decide.
What to expect
Straight answers. No pressure.
- Free to compare
Checking your options costs you nothing.
- No obligation
You decide whether anything is right for you.
- Licensed agents
Only agents licensed to sell in your state.
- You're in control
Ask to stop being contacted at any time.
Questions
Common questions
Is indexed universal life an investment?
No. It is permanent life insurance with a cash value account. Interest is credited based on the movement of a stock market index, but your money is not invested in the market.
Can I lose money?
Credited interest has a floor, usually 0%, so a down year in the index does not reduce the credited interest. Policy costs and fees still apply and can reduce cash value, and gains are usually capped. Ask the agent to walk through the illustration.
Can I use the cash value while I am alive?
Yes. You can usually take loans or withdrawals against the cash value. Loans reduce the death benefit until repaid, and withdrawals can have tax consequences.
Who is this a fit for?
People who want a death benefit for their family plus a place to build cash value over many years. A licensed agent reviews whether it fits your situation before anything is applied for.
Ready when you are
See if indexed universal life fits your plans.
Answer a few questions in about 60 seconds. A licensed agent walks you through an illustration. No obligation.
Check my ZIP code