Indexed Universal Life (IUL) combines flexible permanent coverage with market-linked growth. The policy’s cash value grows based on the performance of a market index (e.g., S&P 500), subject to caps and floors. You receive the benefit of upside potential with protection from market downturns. Like universal life, you can adjust your premiums and death benefit.

​

Best For: Savvy investors, tax-conscious planners, individuals seeking growth and protection