When most people think about life insurance, they imagine a simple policy that only pays a death benefit to loved ones. But what if your life insurance could also help you build wealth, reduce taxes, and create financial security for retirement?
That’s exactly what an Indexed Universal Life (IUL) policy is designed to do.
ð¹ What is an IUL?
An IUL is a type of permanent life insurance that provides two main benefits:
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Protection: A death benefit that supports your family if something unexpected happens.
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Growth: A cash value account that grows based on the performance of a stock market index (like the S&P 500), but with built-in protection against market losses.
ð¹ Why do people choose IULs?
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Tax advantages: The cash value grows tax-deferred, and you can access it tax-free through policy loans.
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Flexibility: You can adjust premiums and benefits as your needs change over time.
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Protection with growth: Your money participates in market gains (up to a cap) but is shielded from losses with a guaranteed floor (often 0%).
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Retirement income: Many use IULs as a supplemental source of retirement income without the same tax risks as traditional accounts.
ð¹ Is an IUL right for you?
An IUL isn’t for everyone. It’s best suited for people who:
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Want long-term protection AND growth.
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Are looking for tax-advantaged savings options.
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Prefer flexibility and are comfortable with a long-term commitment.
â Bottom line: An Indexed Universal Life policy is more than life insurance—it’s a powerful financial strategy that combines protection with opportunity.
If you’re curious whether an IUL could fit into your financial plan, let’s talk. The sooner you start, the more time your money has to grow.
Click Here; https://agents.ethoslife.com/invite/2f087