Turn Savings Into Lifetime Income

At Legacy Financial Life, we design financial solutions that balance growth, security, and control. Indexed Universal Life (IUL) isn’t just life insurance — it’s a wealth strategy. It allows you to protect your family while building tax-advantaged cash value tied to market indexes such as the S&P 500. You get the upside of market growth with a floor that shields your principal when markets dip.

Whether you’re building long-term savings, supplementing retirement income, or establishing a financial legacy, an IUL can help you grow wealth without exposing yourself to unnecessary risk.

  • Fixed Annuities – Stable, predictable retirement payments.
  • Indexed Annuities – Growth linked to market indexes with downside protection.
  • Variable Annuities – Investment-driven, higher growth potential (with risk).

Benefits of Annuities:

  • Lifetime guaranteed income.
  • Tax-deferred growth.
  • Protection from outliving your money.

What Is Indexed Universal Life Insurance?

An Indexed Universal Life policy is a form of permanent life insurance that offers both a death benefit and a cash-value component. The cash value earns interest based on a stock market index’s performance — but your money isn’t actually invested in the market. Instead, the insurer credits interest to your policy using a formula that includes caps, floors, and participation rates.

That means when the market performs well, your cash value grows. When it doesn’t, your policy is protected by a floor rate (often 0%), preventing losses due to negative returns.

In simple terms, you’re securing lifetime protection while creating a tax-deferred growth engine inside your policy.

How It Works

  • Premiums Build Value

    Every premium payment you make covers insurance costs and contributes to your cash value.

  • Indexed Crediting

    The cash value’s growth is linked to a market index (like the S&P 500), providing potential for higher returns than a fixed policy.

  • Built-In Downside Protection

    Even if the market drops, your cash value doesn’t lose principal thanks to the policy’s floor.

  • Flexible Access

    You can access your accumulated value through tax-advantaged loans or withdrawals to supplement retirement income or fund opportunities.

  • Adjustable Coverage

    Modify premiums and death-benefit amounts as your goals and circumstances evolve.

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