Indexed Universal Life Insurance

Index Universal Life is a type of permanent life insurance that offers lifelong protection plus the ability to build cash value. Instead of earning a fixed interest rate, your cash value grows based on the performance of a market index—often the S&P 500®—while still protecting your money from market losses. IUL combines financial security, flexibility, and long-term wealth-building in a single policy.

Universal Life Insurance provides several long-term benefits that make it a powerful part of a financial plan:

• Flexible premiums: Adjust your payments as your income or needs change.

• Lifelong protection: As long as the policy stays funded, coverage lasts your entire life.

• Cash value growth: Build savings inside your policy over time.

• Tax advantages: Cash value grows tax-deferred, and policy loans can be accessed tax-free.

• Customizable structure: Increase or decrease your coverage, add riders, and adapt the policy to major life events.
  

Universal Life gives you both protection and financial tools that evolve with you.

Universal Life is worth considering if you want a policy that does more than pay a death benefit. It’s a strong fit when you:

• Want lifelong coverage, not just temporary protection

• Want the ability to build cash value that can be used in the future

• Need flexible premiums so your payments can adapt over time

• Are planning for retirement, tax advantages, or long-term financial goals

• Want protection paired with a safe, growth-oriented strategy
  

If affordability, flexibility, and long-term value matter to you, Universal Life may be the right option.

A max-funded IUL is a strategy where you put the maximum amount of money into the policy without violating IRS limits (MEC rules). This approach builds cash value as efficiently as possible while keeping all the tax advantages.

A max-funded IUL is commonly used for:

• Tax-free retirement income

• Long-term wealth building

• High-income earners looking for better-than-401(k) flexibility

• Anyone who wants the strongest cash value growth and lowest internal policy costs
  

It’s an optimized way to use IUL as both protection and a powerful tax-advantaged financial tool.

An IUL has two parts:

• A tax-free death benefit for your loved ones

• A cash value account that grows as the index grows (up to a cap)

Your cash value is protected from market losses, meaning it can never go backward from a bad year. This makes IUL a safer way to participate in market growth while building long-term wealth inside your policy.

Consider an IUL if you want:

• Permanent coverage that lasts for life

• A strategy to build wealth safely, without market risk

• Options to adjust premiums as your income changes

• Tax-free retirement income

• Protection against market downturns

• A flexible plan you can shape around major life events

It’s especially attractive for young professionals, business owners, and anyone planning long-term financial growth.

Connect to Coverage makes the IUL process clear and stress-free:

• We compare the top IUL carriers so you get strong caps, participation rates, and benefits

• Licensed agents simplify the numbers and tailor a plan to your goals

• No-pressure recommendations based on your budget, income, and future plans

• Fast, guided applications and ongoing support for annual reviews

• Transparent explanations so you always understand how your policy works

We help you get long-term protection, long-term value, and long-term peace of mind—all in one plan.