Use an IUL to protect your Family and Home while growing your money tax free!

Tax Free Cash Growth
Tax Free Loans
Living Benefits
Death Benefits
Tax Free Wealth Transfer

50%

Of widows report financial anxiety and burden upon a spouse's death

48%

Of foreclosures are due to Critical Illness

45%

Homes percentage of a family's net worth

Featured Carriers

What is IUL or Indexed Life Insurance?

An IUL (Indexed Universal Life) insurance policy is a type of permanent life insurance that includes both a death benefit and a cash value component. The cash value grows based on the performance of a stock market index, such as the S&P 500, but with certain caps and floors to limit gains and losses.

Key Features of an IUL:

Flexible Premiums – You can adjust the amount and timing of your premium payments.
Indexed-Based Growth – The cash value grows based on a stock index, but your money is not directly invested in the market.
Caps & Floors – There is typically a cap on gains (e.g., 10-12%) and a floor on losses (often 0% or 1%), meaning you don’t lose money in market downturns.
Tax Advantages – The cash value grows tax-free, and you can borrow against it tax-free in many cases.
Death Benefit – Pays out to your beneficiaries tax-free.

An IUL is Insurance for Living Life!

Protects You in Life as well as Death

With living benefits like coverage for disability, critical and terminal illnesses, you are protected if you can't work to pay those bills or are facing astronomical expenses related to your care.

Tax Free Retirement Income

From tax free income growth to penalty free loans against the cash value of your policy, an IUL will provide income and a pool of funds to access at will.

Tax Free Wealth Transfer

No estate taxes, probates or complications with reconciling your estate against your creditors. Your loved ones get the funds necessary to transition in your absence.

Personalized Protection Plans

We offer affordable options that give you the peace of mind that your family is protected from financial uncertainty in your absence. We know what it means to you to provide for your family in both life and if tragedy strikes.

Multiple Options to fit your needs

From Full to partial payouts of the mortgage, to a critical needs payout. Critical needs payouts help with funds that can be used for whatever the family deems necessary. From funeral arrangements, to paying some months of the mortgage to help bridge the gap from losing that income instantly.

Live Carefree with Protection

Enjoy peace of mind knowing that you have planned for a tragic time where finances will not be the key focus as your family grieves. Giving your family the breathing room to be thoughtful in how to transition to the next phase.