Indexed Universal Life
Your Money's Secret Advantage
Grow tax-free. Stay protected. Build generational wealth.
0%
Floor Protection
Tax-Free
Growth & Access
Lifetime
Coverage
Why Choose Indexed Universal Life?
Win Big - Without the Risk
Your cash value can grow based on stock market gains (without actually being in the market), but when the market dips, your principal is protected.
Tax-Free Accumulation & Retirement Income
Money inside the policy has the potential to grow tax-free, and you can access it later via policy loans without triggering income tax.
Life Coverage That Doesn't Expire
Unlike term life insurance that can run out, an IUL can offer lifelong coverage. It's not just a death benefit - it's peace of mind that outlasts you.
Living Benefits for Real-Life Emergencies
If a critical, chronic, or terminal illness strikes, you can use the policy's living benefits to cover unexpected medical costs or income replacement.
Consistent Growth & Guaranteed Minimums
When the market indexes soar, you lock in gains. When the market tanks, you still get a guaranteed floor - so your cash value never disappears.
Tailor-Made Flexibility
Your financial picture isn't static - neither is an IUL. You can tweak the policy as your income, goals, or needs evolve.
Boost Retirement Planning Beyond the Norm
Tired of the same old retirement accounts? An IUL offers an alternative path for growth, tax advantages, and reliable income in your golden years.
Legacy Building for Future Generations
The death benefit typically passes to your beneficiaries tax-free, giving them a jump-start or cushion.
Ready to Get Protected?
Schedule a free, no-obligation consultation to find the right plan for your family.
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Indexed Universal Life FAQ
What is Indexed Universal Life (IUL) Insurance?
Indexed Universal Life (IUL) is a type of permanent life insurance that combines a death benefit with a cash value component. The cash value grows based on the performance of a market index like the S&P 500, but with a guaranteed floor so you never lose money when the market drops. Set 4 Life Agency specializes in helping families build wealth through IUL policies.
How does tax-free growth work with an IUL?
The cash value inside your IUL policy grows tax-deferred. When you access the money through policy loans, it's typically tax-free. This makes IUL one of the most powerful tools for building retirement income without the tax burden of traditional retirement accounts like 401(k)s.
Is my money safe in an IUL if the stock market crashes?
Yes. IUL policies have a guaranteed 0% floor, meaning even if the market drops significantly, your cash value will never decrease due to market losses. You participate in market gains when the index goes up, but you're protected from losses when it goes down.
Can I use my IUL for retirement income?
Absolutely. Many Set 4 Life Agency clients use their IUL as a supplemental retirement income source. You can access your cash value through tax-free policy loans, providing a reliable income stream in retirement without triggering income taxes.
What are Living Benefits in an IUL?
Living Benefits allow you to access a portion of your death benefit while you're still alive if you're diagnosed with a critical, chronic, or terminal illness. This can help cover medical expenses, replace lost income, or maintain your quality of life during difficult times.
How much does an IUL policy cost?
IUL premiums vary based on age, health, and the amount of coverage and cash value growth you want. Set 4 Life Agency offers free consultations to design a policy that fits your budget and financial goals. Many clients start with premiums as low as $200-$500 per month.