![[BUYER BRAND]](/logo.svg){kind=logo}
Life Insurance With Cash Value Linked to Market Growth — With a 0% Floor on Index Losses.
It's called an IUL. Cash value can earn interest linked to a market index (subject to caps), a 0% floor means index losses aren't credited, and policy loans may provide tax-free access. No-medical-exam options may be available for some applicants, subject to underwriting.
Start Your Free Quote
Enter your ZIP code to see if you qualify
No obligation to purchase. Takes about 2 minutes.
0% Floor
0% floor — index losses are not credited to your cash value (policy charges apply)
Tax-Advantaged Growth
Accumulate and access your money without federal income tax
Access to Cash Value
Borrow or withdraw your cash value for any reason
How does an IUL work?
An Indexed Universal Life policy links growth to a market index without direct market exposure — so you get upside potential subject to caps and participation rates, with a 0% floor on index crediting.
Grows With The Market
Linked to an index (like the S&P 500) so you capture upside when markets rise.
Protected From Losses
0% floor — index losses are not credited to your cash value (policy fees and charges still apply).
Tax-Free Access
Use policy loans or withdrawals in retirement — no federal income tax on the money.
Leaves A Legacy
A built-in death benefit passes wealth to your family income-tax free.
Ready to see your options?
Enter your ZIP to get matched with IUL options in your area.
How do I get a free quote?
Answer a few basic questions
It takes less than 2 minutes. No sensitive personal information required to see your options.
Get matched with a licensed IUL specialist
A state-licensed advisor in your area will review your answers and reach out.
They show your personalized options
Your advisor compares strategies across A-rated carriers and presents your best fit.
What Is an IUL?
An Indexed Universal Life (IUL) policy is permanent life insurance with a cash-value account that grows based on a market index — without your money ever being invested directly in the stock market. You get the upside potential of the index, and a contractual 0% floor protects your principal from market losses.
Many people call it an "IUL account" because the cash-value component behaves like a savings bucket you can access over time — it grows tax-deferred and can be accessed tax-free via policy loans. The built-in life insurance component leaves a death benefit to your family income-tax free.
The 0% floor, explained: Each year, your cash value is credited based on how much a linked index (like the S&P 500) rose — up to a cap set by the insurer. If the index falls, you're credited 0%. Not a negative. Zero. Policy fees and charges can still reduce cash value.
IUL vs 401(k) — How Do They Compare?
Both are useful tools. Here's how they differ on the features people ask about most. Many people use both — a 401(k) with an employer match is hard to beat for that first dollar in. An IUL is often used on top of a 401(k) to add a bucket of tax-free, market-protected growth.
| Feature | 401(k) | IUL |
|---|---|---|
| Taxed at withdrawal? | Yes — ordinary income tax | No — tax-free policy loans |
| Lose money in a market crash? | Yes — balance can drop | No — 0% floor protects principal |
| Annual contribution limits (IRS)? | Yes — IRS sets hard limits | No IRS limit |
| Access before age 59½ without penalty? | No — 10% early-withdrawal penalty | Yes — policy loans available anytime |
| Death benefit to family? | No | Yes — income-tax free to beneficiaries |
Educational only — not an insurance illustration. A licensed agent provides your personalized figures and policy illustration.
How Do I Qualify for an IUL?
Qualification is straightforward for most people:
Age. IUL policies are generally most cost-effective for people in their 30s, 40s, and early 50s. The younger you start, the lower the insurance cost inside the policy.
Health. Many IUL policies offer simplified or no-medical-exam options, especially at lower face amounts. A licensed specialist will know which carriers offer the best path for your health profile.
Funding ability. You'll need to set aside a consistent monthly amount. The minimum varies by carrier and design, but many policies can be started at relatively modest contribution levels. A licensed specialist confirms all of this on a free, no-obligation call.
Common IUL Questions, Answered
Educational only — not an insurance illustration. A licensed agent provides your personalized figures.
We do the strategy. You keep the growth.
Enter your ZIP code and a licensed IUL specialist will compare top carriers to find your best strategy — no obligation.