Life Insurance With Tax-Free Living Benefits
Working professionals can now access policies with cash value, income protection, and tax-free benefits while they're still living. Complete the short form below & speak to a licensed professional about your options..
Why Indexed Universal Life
Tax-Free Cash Value Growth
Your policy builds cash value over time, growing with market potential while being protected from losses. You can access your money tax-free whenever you need it.
Protect Your Loved Ones
An IUL policy provides a guaranteed payout to ensure your family is financially secure, no matter what happens.
No Stock Market Risk
Unlike traditional investments, your money is protected from market downturns, giving you steady, secure growth over time.
Tax-Free Cash Value Growth
Your policy builds cash value over time, growing with market potential while being protected from losses. You can access your money tax-free whenever you need it.
Protect Your Loved Ones
An IUL policy provides a guaranteed payout to ensure your family is financially secure, no matter what happens.
No Stock Market Risk
Unlike traditional investments, your money is protected from market downturns, giving you steady, secure growth over time.
Access Your Money Anytime
Unlike a 401(k) or IRA, you can withdraw funds from your policy at any age—without penalties or restrictions.
A Smarter Way to Plan for Retirement
An IUL policy allows you to build long-term, tax-free income while also providing life insurance protection.
Access Your Money Anytime
Unlike a 401(k) or IRA, you can withdraw funds from your policy at any age—without penalties or restrictions.
A Smarter Way to Plan for Retirement
An IUL policy allows you to build long-term, tax-free income while also providing life insurance protection.
Frequently Asked Questions
1. What exactly is an Indexed Universal Life (IUL) policy?
It’s a type of permanent life insurance that combines lifelong death benefit protection with the ability to grow cash value based on market index performance. Your money isn’t directly invested in the market, and a 0% floor protects it from market losses.*¹
2. Can I really access my money before retirement?
Yes, you can access the cash value in your policy through loans or withdrawals at any age, without the 10% early withdrawal penalty that applies to 401(k)s or IRAs.*²
3. How does this policy grow over time?
Your cash value grows based on credited interest tied to a market index. When the index performs well, you earn interest up to a cap or participation rate. When the market goes down, your account earns 0% instead of losing value.*¹
4. What makes this policy exclusive?
Unlike ordinary IULs, this policy includes built-in benefits that can provide monthly payments for up to 12 years if government-mandated cuts reduce Social Security benefits by more than 3%.*³ It also offers options for lifetime income or an enhanced death benefit for your loved ones.
5. Who is this policy designed for?
It’s designed for working professionals—typically between ages 30 and 55—who are consistently earning income and want both protection and growth potential in one policy.
6. Is this guaranteed or risk-free?
While your cash value is protected from market losses thanks to the 0% floor, growth potential depends on index performance and policy design. All policies have caps, participation rates, and fees that affect performance.*¹
7. What happens if I need to use the cash value?
You can borrow against your policy’s cash value without interrupting the compounding growth. However, loans and withdrawals will reduce your policy’s cash value and death benefit and may create a taxable event if the policy lapses.*²
8. Who issues this policy?
It’s backed by one of America’s strongest life insurance companies—rated A+ by A.M. Best, S&P, and Fitch—with over 135 years of financial strength and stability.
9. How do I find out if I qualify?
Simply click the button below to complete a short form. A licensed advisor will review your information and help you see what options you qualify for based on your goals and situation.