Protection + growth potential in one policy.
An IUL is permanent life insurance that protects your family and builds cash value over time. Your cash value grows based on market index performance (like the S&P 500), but you're protected by a floor — meaning you never lose money when the market drops.
Coverage that lasts your entire life — it never expires
Earns interest when the market goes up, protected when it goes down
Access your cash value tax-free through policy loans
Flexible payments — adjust up or down based on your budget
Lifetime coverage, builds cash value, tax-free access, flexible payments
Expires after 10-30 years, no cash value, lower monthly cost
Both serve a purpose. The right fit depends on your goals.