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Indexed Universal Life (IUL)

Flexible permanent life insurance with cash value linked to a market index β€” protection and tax-advantaged growth potential in one policy.

What You Should Know

Indexed Universal Life combines a death benefit with a cash value component that can grow based on the performance of a market index, with protection against market losses. It offers flexible premiums and tax-advantaged access to cash value when structured correctly.

IUL is a sophisticated product β€” we'll make sure you understand how it works before you decide.

What's Included

  • βœ“Permanent death benefit protection
  • βœ“Cash value growth potential tied to an index
  • βœ“Downside protection (a floor in down years)
  • βœ“Flexible premiums and adjustable death benefit
  • βœ“Tax-advantaged access to cash value via policy loans

Who this is for

  • People who have maxed out other tax-advantaged accounts
  • Those wanting permanent coverage plus growth potential
  • Business owners and high earners planning long term

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Insurance products are offered through licensed agents. Product availability, features, riders, and guarantees vary by carrier and state and are subject to the claims-paying ability of the issuing insurance company. This page is for informational purposes only and is not an offer of coverage or financial advice. Please consult a licensed professional regarding your specific situation.

Talk to a Professional

Reach a licensed Pacific Ridgeway specialist about Indexed Universal Life (IUL) β€” no pressure, no obligation.

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