Indexed Universal Life (IUL) insurance is a flexible type of permanent life insurance that combines lifelong coverage with the opportunity to grow cash value. Your cash value earns interest based on the performance of a market index, like the S&P 500, with built-in protections to prevent losses during market downturns.

IUL policies allow you to adjust your premiums and death benefit over time as your needs change. The cash value can be accessed through loans or withdrawals, offering potential tax-advantaged growth and additional financial flexibility. IUL is ideal for those who want long-term protection, flexible planning options, and the opportunity to build wealth over time.