Indexed Universal Life (IUL) Insurance

An IUL is permanent life insurance that grows your money based on a stock market index — without risking your cash when the market goes down. It provides tax-free income, flexible premiums, and includes living benefits like Critical, Chronic, and Terminal Illness protection, which let you access your policy early if you're diagnosed with a major illness.

· Market-linked growth with downside protection

· Tax-free income for retirement

· Flexible premiums & living benefits

Let’s say you’re contributing $250/month into your IUL. By year 10, you’ve built strong cash value and retirement potential. Then one day, you're diagnosed with breast cancer. Instead of waiting for a payout after death, your policy pays $50,000 right now to help you heal without going broke — and your loved ones are still covered later.