Protect What Matters Most

Tailored Life Insurance Solutions Just for You.

Empowerment That Comes From Expert Guidance.

Life insurance that fits your life — not the other way around.

Flexible coverage that protects the people you love, grows with you, and gives you room to plan, breathe, and live.

Life insurance that fits your life not the other way around.

Flexible coverage that protects the people you love, grows with you, and gives you room to plan, breathe, and live.

What is Indexed Universal

Life Insurance?

IUL is a type of permanent life insurance that does more than just provide a death benefit. It also includes a cash value component that can grow over time — based on the performance of a market index, like the S&P 500.Unlike traditional investments, your cash value won’t drop if the market does. You get the upside potential with a built-in safety net.

Who is IUL right for?

This kind of policy is a fit for people who want more than just life insurance — they want options

  • You want lifelong coverage, not just a short-term solution

  • You like the idea of building something over time

  • You want to leave something behind and use some of it while you’re living

  • You’re looking for tax advantages or flexibility down the line

It’s for people who think long-term — and want their insurance to do the same.

Why it matters

IUL gives you more than coverage — it gives you room to plan your future with less pressure. It’s a way to take care of the people you love while also building something you might be able touse during your lifetime. Whether you’re planning ahead, thinking about retirement, or just want more control over your financial future — this is one option that can grow with you.

The benefits of Indexed Universal Life

Flexible death benefit

Start with coverage that fits where you are now — and adjust it later if life changes. You’re in control of how much protection your family needs.

Flexible cash value

Part of your premium builds a cash value you can use — for emergencies, opportunities, or just peace of mind. And it grows tax-advantaged.

Term Life / Mortgagem Protection

Your policy is linked to the market — but protected from losses. That means your cash value hasroom to grow, without taking the hit when markets drop.

Frequently Asked Questions

How does indexed universal life insurance work?

It gives you lifelong coverage and builds a cash value over time. That value is tied to how a

market index performs (like the S&P 500), but you’re protected from losing money if the market dips.

What’s the difference between indexed universal life and whole life?

Both offer permanent coverage, but they work differently. Whole life is more fixed and

predictable. IUL offers more flexibility and growth potential, especially in how your cash value grows.

Which is better: IUL or whole life?

That depends on your goals. IUL is for people who want more control and the chance for growth.

Whole life is for those who want steady guarantees. It’s about what fits your situation best.

How do flexible premiums work?

With IUL, you can adjust how much you pay (within limits). You can put in more when you

have it, or scale back when needed — as long as there’s enough value to keep the policy active.

How does the cash value grow?

It grows based on market index performance — but without being directly invested. If the market

goes up, your value can grow. If it drops, you won’t lose what you’ve built.

What can I do with the cash value?

You can borrow from it (tax-advantaged) to cover big expenses — like college tuition, home

repairs, or even to support your retirement. It’s your money to use when you need it.

What happens to the cash value when I pass away?

Your beneficiaries will receive the death benefit — usually tax-free. Any remaining cash value

stays with the insurance company, unless you’ve structured your policy differently.

Can you cash out the policy?

Yes — you can surrender the policy and take the cash value, but it will cancel your coverage. It’s

usually better to borrow from it if you need access.

Can I borrow against the policy?

Yes — you can take a loan from your policy’s cash value. You’ll pay it back with interest, but it

doesn’t require credit checks or bank approval.

Can an IUL policy collect dividends?

No — IULs don’t pay dividends. That’s a feature of whole life insurance. Instead, IUL policies

grow through index-based interest.

How do I know if IUL is the right choice for me?

If you want long-term coverage with flexibility and the option to build value over time, IUL is

worth considering. Talking with an advisor is the easiest way to see if it fits your goals.

Ready to see if IUL is a fit for your life?

No pressure. No perfect answers needed. Just a simple conversation to explore your options — and figure out what works best for you.