Build Tax-Advantaged Wealth With Indexed Universal Life
Harness stock market upside potential while helping protect your principal. Secure a custom IUL policy designed to generate retirement income, utilize policy loans, and leave a lasting legacy.
- ✓ 0% Floor helps protect against market downturns
- ✓ Access your cash value with tax-advantaged loans
- ✓ Secure a death benefit for your family
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How Does an IUL Work?
An Indexed Universal Life (IUL) policy provides a death benefit to help protect your family, while accumulating cash value that can grow on a tax-advantaged basis over time.
Downside Protection
Your cash value is linked to an index like the S&P 500, subject to a 0% floor. If the market drops, the floor helps protect your accumulated gains from market losses.
Tax-Advantaged Access
You can borrow against your cash value for retirement or emergencies. Policy loans are generally income-tax-free under current tax laws, provided the policy remains active.
Policy Flexibility
Finance major purchases using policy loans while your accumulated cash value has the potential to continue earning interest.
Living Benefits
If you suffer a qualifying critical, chronic, or terminal illness, you can access a portion of your death benefit while you are still alive to help cover medical costs.
Project Your Tax-Free Wealth
See the power of uninterrupted compound interest. Adjust the sliders below to estimate your future cash value.
Estimated Gross Cash Value at Age 65
$502,810
Total Est. Contributions
$185,000
Get Exact Quote*Assumes a gross 6.0% annual return. This estimator is for illustrative educational purposes only and does not represent an actual policy or guarantee future performance. Actual values will be reduced by cost of insurance, administrative fees, surrender charges, and policy loans. Rates are subject to index cap and participation rates set by the carrier.
IUL Explained in Minutes
Get a clear, visual breakdown of Indexed Universal Life from Alexander. This video shows exactly how we design policies for maximum financial growth and protection.
What Our Clients Say
Real results from families who secured their financial future with an IUL.
Indexed Universal Life FAQs
Get the facts on securing tax-advantaged wealth.
IUL policies feature a 0% floor. When the market goes up, your cash value is credited with interest up to a cap. When the market drops, the floor helps protect your cash value from market index losses, though policy fees and insurance costs still apply.
No. You can borrow against your cash value at any age for any reason—whether it's buying a home, funding a business, or paying for college—without early withdrawal penalties.
It depends on your financial goals. Many start with $250 to $500 a month, while policies designed for tax-advantaged retirement income often see contributions of $1,000+ per month.
Generally, yes. When structured correctly, you access your cash value through policy loans, which are generally not recognized as taxable income by the IRS as long as the policy remains in force.
The cost of an IUL policy varies based on your age, health, and financial goals. Unlike term insurance, a portion of your premium goes toward building your cash value, acting more like an accumulation vehicle than just an expense.
Yes. An IUL is one of the preferred vehicles for the 'Become Your Own Bank' strategy. It allows you to take out policy loans against your cash value to fund investments, real estate, or major purchases while your principal continues to earn compound interest.
Under current IRS tax codes, loans taken against your active life insurance cash value are generally not considered taxable income. This is what allows you to generate a tax-advantaged retirement income stream.
When you pass away, your beneficiaries generally receive the death benefit income-tax-free. Depending on the policy structure you choose, your heirs may receive both the face value of the death benefit and the accumulated cash value.
Unlike a 401(k) or IRA, an IUL does not have IRS contribution limits or early withdrawal penalties before age 59 ½. Furthermore, an IUL helps protect your principal from market losses and provides a generally income-tax-free death benefit to your heirs.
These determine how much of the stock market's growth is credited to your cash value. A 'cap rate' is the maximum percentage you can earn in a given year, while a 'participation rate' is the percentage of the index's return you receive.
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