LIFE INSURANCE

What Is Indexed Universal Life Insurance?

Indexed Universal Life (IUL) is a powerful form of permanent life insurance that offers lifelong coverage and the ability to build tax-deferred cash value linked to a market index, like the S&P 500 — without direct investment risk.

Unlike traditional whole life policies, IUL gives you the opportunity to earn market-linked returns while protecting your cash value from losses, thanks to built-in downside protection and guaranteed minimums.

Key Benefits of IUL Insurance:

Lifelong Coverage with Cash Value Growth

Enjoy peace of mind with permanent protection and a policy that builds value over time.

Protection from Market Downturns

Your money is never directly in the market — so while you can participate in upside growth, your cash value is shielded from losses.

Tax-Free Access to Cash

Withdraw or borrow from your cash value tax-free for things like retirement, college, or emergencies.

Compound Growth Potential

Cash value grows over time with compound interest, helping you build tax-deferred wealth.

Flexible Premiums and Death Benefit

Adjust payments and coverage as life changes — ideal for long-term financial planning.

Who Should Consider an IUL?

• Parents planning for future college costs

• Individuals wanting tax-free retirement income

• Business owners looking for executive strategies

• Anyone seeking lifelong insurance with flexible cash access

Learn more about how IUL can protect your family and build your legacy.

Term Life Insurance

Simple, Affordable Protection for Your Loved Ones

Term life insurance provides coverage for a fixed period — typically 10, 20, or 30 years. If you pass away during the term, your beneficiaries receive a tax-free lump sum, ensuring financial security for their future.

It’s a cost-effective option with high coverage and straightforward protection.

Key Features:

•  Low monthly premiums

• No cash value — pure coverage

• Option to convert to permanent coverage

• Ideal for families, homeowners, and young professionals

Learn more about term life insurance options for every stage of life.

Whole Life Insurance

Guaranteed Lifetime Coverage with Built-In Savings

Whole life insurance offers lifelong protection along with a guaranteed cash value component that grows over time at a fixed rate.

Premiums never increase, and the policy builds tax-deferred savings you can access through loans or withdrawals.

Key Features:

• Fixed premiums and guaranteed payout

•  Cash value accumulation

•  Tax-deferred growth

• Financial legacy for future generations

Learn more about how whole life insurance can support your long-term wealth strategy.