Indexed Universal Life (IUL)
Flexible life insurance with growth potential tied to market performance, offering both protection and wealth-building opportunities.
Cash Value Growth
Tax Advantages
Flexible Premiums
Death Benefits
Life Insurance That Grows With the Market
Combine the protection of life insurance with the growth potential of market-linked returns.
Market-Linked Growth
- • Cash value linked to market index performance
- • Upside growth potential with downside protection
- • Multiple index options (S&P 500, NASDAQ, etc.)
- • Annual reset feature protects gains
Downside Protection
- • Guaranteed minimum interest rate (0-1%)
- • Principal protection from market losses
- • No direct market participation risk
- • Lock in gains annually
Flexible Premiums
- • Adjust premium payments as needed
- • Skip payments using cash value
- • Increase or decrease death benefit
- • Adapt to changing financial situations
Tax Advantages
- • Tax-deferred cash value growth
- • Tax-free death benefit to beneficiaries
- • Tax-free loans against cash value
- • Potential for tax-free retirement income
How Indexed Universal Life Works
Premium Allocation
Your premium is allocated between insurance costs and cash value accumulation based on your chosen strategy.
Index Performance
Cash value earns interest based on the performance of chosen market indexes, subject to caps and floors.
Growth & Access
Access cash value through loans or withdrawals while maintaining life insurance protection for your beneficiaries.
IUL vs. Other Life Insurance Options
| Feature | Term Life | Whole Life | IUL |
|---|---|---|---|
| Premium Flexibility | Fixed | Fixed | Flexible |
| Cash Value Growth | None | Guaranteed | Market-Linked |
| Death Benefit Options | Fixed | Fixed | Adjustable |
| Best For | Temporary needs | Conservative growth | Growth potential |
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Explore IUL Growth Potential
Discover how Indexed Universal Life can provide life insurance protection while building cash value.
Why Choose Compass Coverage Group?
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