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Protection that builds wealth while you live.
An Indexed Universal Life policy protects your family like life insurance and grows tax-advantaged cash value like a savings vehicle. Money you can use for retirement, emergencies, or the next generation.
How it works
An IUL is permanent life insurance with a cash value account attached. Part of your premium buys protection for your family. The rest grows based on the performance of a market index, with a floor that protects you in down years. You get growth potential without direct market risk, and the gains grow tax-advantaged.
- Lifetime protection. A death benefit for your family that does not expire.
- Cash value growth. Tied to a market index with downside protection built in.
- Tax advantages. Cash value grows tax-deferred and can be accessed strategically.
- Living access. Borrow against your cash value for retirement income, emergencies, or opportunities.
Plans for children too
A children's IUL is one of the most powerful gifts a parent or grandparent can give. It locks in low rates for life, guarantees future insurability no matter what health brings, and builds cash value the child can use as an adult for college, a first home, or a head start on life.
Who it fits
Adults who want their protection dollars to do double duty, parents and grandparents building something for the next generation, and anyone looking for tax-advantaged growth outside of a traditional retirement account. Glenn will walk you through exactly how a policy would perform for your situation, in plain English.