What Is Indexed Universal Life (IUL)?

Indexed Universal Life, also referred to IUL, is a permanent life policy that gives you the opportunity to earn tax-deferred interest that reflects the growth of stock market indexes.

How Does An IUL work?

indexed universal life insurance

As premiums are paid, the money goes to both a death benefit and a cash component that grows over time. With an IUL, instead of growing at a fixed rate, the cash component’s growth is based on the strength of stock market indexes.

What Are The Benefits of an IUL?

  • This plan has flexible premiums.
  • Involves lower risk than directly investing in the stock market.
  • Unlike a Roth IRA, there’s no limit on annual contributions.
  • The death benefit is tax free.
  • The interest rate will never be less than 0% (many times 2%) meaning the funds are protected against losses.
  • The funds can be used tax free at any age, any time, for any reason as a loan or cashed out. Many clients use the cash value to pay off education, buy a car, put a down payment for a home or for retirement.
  • The policy is valid for life.

Are You Interested In Pursuing an IUL?

If you would like to learn more, feel free to contact me.

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As the Coronavirus (Covid-19) health situation continues to evolve, I would like to reassure you that I am here to help and you can contact me if you have any questions regarding your policy.

There have been temporary changes in the Life Insurance business. Right now in many cases you can submit non-med and online applications for your comfort and safety. As well as 60-day grace periods in case your finances have been impacted by the crisis and you wish to stop premium payments for a while.

Call me now, together we can discuss your needs and find a custom made solution today.
(714)729-3616 office or (305)450-8700 mobile.