Indexed Universal Life
IUL is a type of permanent life insurance where the policy's cash value growth is linked to the performance of a market index — like the S&P 500 — rather than invested directly in it. A guaranteed floor protects the cash value from market losses, while a cap limits how much of a strong market year the policy actually captures.
Unlike term life insurance, which provides coverage for a set period with no cash value, IUL is designed to last a lifetime and build accessible cash value along the way.
It's permanent life insurance where your cash value can grow when the market goes up, can't lose value when the market crashes, but won't fully capture every point of a huge market year either — that's the trade-off for the floor.
Free consultation to walk through your specific goals.