Build a tax-free retirement stream

Indexed Universal Life — IUL — is a type of permanent life insurance that does two jobs at once. It provides a death benefit to protect your family, and it builds cash value over time that you can access later, including as a tax-free stream of income in retirement.

Here's what makes it appealing: the cash value growth is tied to a market index (like the S&P 500), so you can participate in the market's gains — but it's built with a floor that helps protect you from market losses. You share in the up years without taking the full hit of the down ones.

Why people use an IUL

• Tax-advantaged growth. Your cash value can grow without yearly taxes, and can typically be accessed tax-free through policy loans and withdrawals.
• Upside with a safety net. Growth tracks a market index, with a floor designed to guard against market losses.
• Supplement your retirement. It can sit alongside a 401(k) or IRA as another, more flexible source of income.
• Lifelong protection. The death benefit stays in place to protect your family the whole time.
• Flexible access. The cash value can also be used for emergencies, opportunities, or big life expenses.

See how it could work for you

An IUL is most powerful when it's set up around your specific goals and timeline. Book a free call and I'll walk you through a simple illustration — no jargon — so you can see how the numbers might look for you.