Coverage Category

Indexed Universal Life (IUL)

Permanent coverage with tax free growth through retirement.

What it is

IUL is permanent life insurance with flexible premiums and a cash value account credited with interest tied to the performance of a market index. Guaranteed to never lose your principal.

Who it's for

Clients who want upside growth potential, downside protection, and flexibility in how much and when they pay.

Growth mechanics

An IUL provides market-linked growth potential with downside protection — allowing your cash value to grow when markets rise while protecting against market losses.

Flexibility

Premiums and death benefit can often be adjusted as life and income change.

Talking point

The security of a savings account, growth mirroring the stock market, tax free money into retirement, and a life insurance policy wrapped around it.

The 9-LF Standard

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