Indexed Universal Life
Life insurance that works double duty—protection today, growth for tomorrow.
Lifetime Protection. Flexibility. Lasting Growth.
Lifetime Coverage
Protection that never expires — your loved ones are covered for life.
Market-Linked Growth
Grow your cash value with stock market potential.
Flexible Premiums
Adjust payments and coverage as your life and income evolve.
Downside Protection
Your principal is protected—even when the market goes down.
Tax Advantages
Enjoy tax-deferred growth and tax-free access to your cash value.
Living Benefits
Tap into your policy early if illness or injury changes your plans.
What Is Indexed Universal Life?
An IUL is a flexible type of permanent life insurance that offers lifelong protection and the potential for cash value growth based on the performance of an underlying market index (like the S&P 500), without direct market risk.
Key features of an IUL policy:
- Guaranteed death benefit to protect your beneficiary(s)
- Flexible premiums and adjustable death benefit options
- Cash value growth tied to a market index, with downside protection
- Tax-deferred growth and tax-free access through policy loans
Is an IUL Policy Right for You?
An IUL Makes Sense If You…
- Want lifelong coverage with growth potential
- Are planning for future income or retirement
- Prefer market upside without the downside
- Seek tax-advantaged wealth strategies
It Might Not Be Ideal If You…
- Want a simple, low-cost policy without extras
- Only need short-term or temporary coverage
- Don’t want to manage flexible premiums
- Are uncomfortable with market-linked growth
Not sure which category you fall into?
That’s what we’re here for!
A quick call with our team can help you figure out what type of IUL policy (if any) fits your goals best.
How it Works
Each premium covers insurance costs, with the rest growing in a cash value account tied to a market index. Your principal is protected with a 0% floor.
Over time, access funds tax-free via policy loans for retirement, emergencies, or other needs.
Benefits:
- Lifetime coverage that adapts to your financial needs
- Market-linked cash value growth with downside protection
- Flexible premiums and adjustable death benefit options
- Tax-deferred growth and tax-free access to cash value
Meet the IFW Life Insurance Team
With over 35 years of industry experience, our team of licensed life insurance professionals specializes in helping individuals and families understand—and maximize—the benefits of modern life insurance solutions like Indexed Universal Life.
We’re not tied to any single carrier, which means you get access to the best options in the market, personalized to your goals.
Our Carriers
We partner with over 37 top-rated life insurance companies to give you access to the best coverage options on the market.
Because we’re not tied to one carrier, we can shop around and build the right plan for your needs, budget, and goals.
Licensed & Trusted
Licensed in all 50 states, our IFW Life Insurance specialists are ready to deliver expert guidance you can trust. Backed by compliance and expertise.
