Market Potential.
Zero Downside Risk.
Build tax-free wealth and protect your family with a strategy that lets you participate in market gains without ever losing money when the market crashes.
The Power of "The Floor"
IUL policies offer a unique "floor" of 0%, meaning even if the stock market drops 30%, your account value stays the same. You never lose your principal due to market crashes.
Upside Potential
Earn interest based on the performance of a market index like the S&P 500, up to a generous cap.
Downside Protection
Your money is protected by a 0% floor. When the market goes down, you don't lose a dime of your cash value.
Tax-Free Income
Access your cash value through tax-free loans to supplement your retirement income or fund major purchases.
Simulate Your Wealth Growth
See how consistent contributions to an IUL policy could grow over time compared to traditional savings.
Simulation Parameters
Adjust the values to see your potential growth.
Historical IUL averages often range between 6-8%.
More Than Just Death Benefit
Modern IUL policies come with "Living Benefits" that allow you to access your death benefit while you're still alive if you suffer a qualifying illness.
Critical Illness
Heart attack, stroke, cancer, etc.
Chronic Illness
Inability to perform daily activities.
Terminal Illness
Diagnosis of 12-24 months to live.
Is an IUL Right for You?
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