Insurance-Based Strategies
Indexed Universal Life (IUL)
Tax-advantaged cash-value growth with a death benefit.
IUL is permanent life insurance whose cash value can grow based on a market index, with tax-advantaged access and a death benefit.
How it works
Premiums fund a cash-value account credited based on the performance of a chosen index (subject to caps and floors). Cash value grows tax-deferred and can often be accessed via tax-advantaged policy loans, while the policy provides a death benefit.
Benefits & considerations
Potential benefits
- Tax-deferred cash-value growth
- A downside floor helps limit index losses
- Tax-advantaged access via policy loans
- Income-tax-free death benefit to heirs
Considerations
- Caps limit upside participation
- Requires ongoing premium funding
- Costs and terms vary widely by carrier
Who it is for
High earners seeking tax-advantaged growth and protection beyond retirement accounts.
Explore Indexed Universal Life (IUL) for your situation
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