Indexed Universal Life
What Is Indexed Universal Life (IUL) Insurance?
Indexed Universal Life (IUL) insurance is more than just coverage — it’s a powerful way to protect your loved ones and grow your wealth.
An IUL is a type of permanent life insurance that combines lifelong protection with a cash value component that grows over time. Unlike traditional life insurance, your policy’s cash value earns interest based on the performance of a market index — such as the S&P 500 — without being directly invested in the market.
That means when the market performs well, your policy may earn more interest. When it performs poorly, you’re still protected — because your principal and previously credited interest are not lost.
With IUL, you gain both security and growth potential — a flexible financial tool designed for today’s families, entrepreneurs, and professionals who want to build, protect, and pass on wealth confidently.
Benefits of Indexed Universal Life Insurance
1. Lifelong Protection with Living Value
Your IUL provides permanent life insurance coverage for as long as your policy is active. But unlike term life insurance, it also builds cash value you can access through loans or withdrawals while you’re alive — giving you flexibility for major goals like college funding, home purchases, or retirement income.
2. Growth Potential Without Market Risk
Your cash value grows based on a stock market index’s performance, but without direct market exposure. That means you can enjoy upside potential when markets perform well, and a protective floor when they don’t — your policy’s value won’t drop with the market.
3. Tax-Advantaged Growth
The growth of your policy’s cash value is tax-deferred, which means your money compounds faster over time. In addition, loans taken against the policy are tax-free, giving you a smart, flexible way to access your funds when needed — without triggering unnecessary tax bills.
4. Flexible Premiums and Death Benefits
IULs are designed to adapt with you. You can adjust premiums and death benefit amounts within policy limits to match your changing goals or financial situations — whether that’s raising a family, starting a business, or planning for retirement.
5. Wealth Transfer and Legacy Building
Beyond protecting your family, an IUL helps you leave a lasting legacy. The death benefit passes tax-free to your beneficiaries, giving them a foundation of security and stability when they need it most. It’s one of the simplest ways to make your success last for generations.
Ready to Build Protection That Grows With You?
Circle of Giants helps families and professionals across the U.S. design IUL strategies that fit real lives — not one-size-fits-all products.
Your future deserves more than protection — it deserves possibility.