Unlock the Power of Protection & Growth with Indexed Universal Life Insurance (IUL)
Tax-Advantaged Growth. Lifetime Protection. Financial Flexibility.
What Is Indexed Universal Life (IUL) Insurance?
An IUL isn’t just life insurance—it’s a smart, flexible financial tool that combines lifelong protection with market-linked growth potential. Unlike traditional life insurance, your IUL policy builds cash value that can grow based on the performance of a stock market index (like the S&P 500), without direct market risk.
Why Clients Choose IULs
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Tax-Deferred Growth:
Build cash value over time without paying taxes on gains.
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Access Funds Anytime:
Take loans or withdrawals for emergencies, college, or retirement.
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Downside Protection:
Market goes down? Your cash value won’t lose value due to negative returns.
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Flexible Premiums:
You can adjust contributions and coverage to fit your lifestyle.
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Death Benefit:
Protect your loved ones with a legacy that’s income-tax-free.
Grow Wealth Without Market Risk
With an IUL, your money is linked to a market index—but not invested in the market. That means your policy has the upside of market growth with a built-in floor, typically 0-0.25%, that protects your cash value during market downturns.
Example: If the market rises 10%, your cash value may grow up to the cap (e.g., 12%). If the market drops -15%, your account is credited 0.25%—so your money still grows.
Who Is an IUL Ideal For?
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Individuals ages 30–60 looking to build tax-free retirement income
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Parents who want to leave a legacy or fund college
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Those who would like to become their own bank, borrowing from themselves tax-free, interest free
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Business owners needing key-person or executive bonus plans
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High-income earners looking to diversify beyond traditional retirement accounts
Safe. Flexible. Tax-Efficient.
Unlike 401(k)s or IRAs, there are no contribution limits or early withdrawal penalties with IULs. Plus, you control how and when to access your cash—tax-free when structured properly.
Still Have Questions?
IULs can be powerful, but they’re not one-size-fits-all. Let’s talk about whether it’s right for your goals.
Get a Free IUL Strategy Session
No obligation. Just solid advice. Learn how an IUL could work in your financial plan with a quick consultation.
✅ Licensed Advisor
✅ Customized Illustrations
✅ Transparent, No-Pressure Guidance
Book A Call With Jody Almond