Flexible protection today. Tax-advantaged growth for tomorrow.
At Legacy Financial Life, IUL is more than a policy—it’s a smart strategy that blends lifelong protection with the potential for index-linked cash value growth. Enjoy flexibility in premiums and benefits, shield your principal from market downturns, and access cash value for opportunities across your lifetime.
Adjust premiums and death benefits as life changes—new home, growing family, or business goals.
Participate in market-linked growth (e.g., S&P 500 indexes) without putting principal at risk.
Build cash value you can access tax-advantaged for retirement income, emergencies, or investments.
What Is IUL—and Why It’s Different
Indexed Universal Life (IUL) is a type of permanent life insurance that offers a flexible premium, adjustable death benefit, and a cash value component whose credited interest is tied to the performance of market indexes. Unlike direct market investing, IUL shields your principal from losses when the market declines, while still allowing upside participation—typically up to a cap or subject to a participation rate. The result: an elegant balance of growth potential and risk management within a life insurance chassis designed for long-term protection and wealth building.
Your cash value earns interest based on index performance. You don’t invest directly in the market; instead, a crediting method is applied (subject to caps/floors/participation rates).
A portion of your premium covers the cost of insurance; the remainder goes toward building cash value.
If the index is negative, your IUL’s floor (often 0%) helps protect your cash value from market losses.
You can access cash value through policy loans or withdrawals (tax-advantaged if structured properly), and you can adjust premiums and the death benefit over time.
