Market-linked growth
Your cash value is credited when the index rises, up to the carrier's cap.
Licensed independent brokers
Build tax-free retirement income with an IUL
Indexed universal life gives you market-linked growth with a 0% floor, a tax-free death benefit, and income you can access without IRS contribution caps. Get a personalized illustration from A+ rated carriers — free, in about 60 seconds.
Booking a call starts with the quick form — fill it out and the live calendar opens right after.
- A+
- Rated carriers only
- 60 sec
- To get your quote
- 0%
- Downside floor
- $0
- Cost to compare
Get your free IUL quote
4 quick questions · about 60 seconds · required to book a call
What matters most to you right now?
The benefits
Why people choose an IUL over a taxable brokerage account
0% floor protection
A down year credits zero — index losses don't reduce your accumulated cash value.
Tax-advantaged income
Access cash value through policy loans that are generally income-tax-free.
Death benefit included
Your family receives a tax-free death benefit while you build cash value.
No contribution caps
Unlike a 401(k) or Roth IRA, IUL funding isn't limited by IRS contribution limits.
Living benefits
Most policies include chronic, critical and terminal illness riders at no extra cost.
How an IUL actually works
Three moving parts. Tap through each one.
01
You fund the policy
Premiums cover the insurance cost and the rest flows into your cash value account. Overfunding within IRS limits maximizes growth.
Interactive
Get exact carrier numbersSee how your cash value could grow
Monthly premium$500
Years of funding25
Projected IUL cash value
$334,772
Taxable savings account
$190,722
Illustrative example only, assuming an average indexed credit with a 0% floor and typical policy charges. Actual results vary by carrier, age, health and index performance. Your personalized illustration will show real carrier numbers.
Clients who got clarity first
“I'd maxed out my 401(k) and needed another tax-advantaged bucket. They showed me three carriers side by side and explained the trade-offs honestly.”
“No pressure at all. The illustration made it obvious how much of my premium went to cash value versus insurance cost.”
“We wanted protection for the kids plus growth we couldn't lose in a crash. Took two calls and we were approved without an exam.”
IUL questions, answered
Want to book a call? Start with the form
Calls are booked only after the quick quote form. Answer the 4 questions above (about 60 seconds) and our live calendar opens immediately so you can pick any time for a free 15-minute call with a licensed IUL specialist.
- No sales pressure and no obligation to buy
- Independent — we compare multiple A+ rated carriers
- Illustrations explained line by line, including fees