Indexed Universal Life
A tax-advantagedretirement you control
Market-linked growth with a 0% floor. Answer 9 quick questions below.
Request Your IUL Illustration
Free, personalized, and reviewed by a licensed specialist.
Step 1 of 9
0% floor
Locked gains never reverse in a down year.
Tax-free access
Policy loans typically avoid income tax.
Living benefits
Draw on the benefit for critical illness.
No contribution cap
Unlike an IRA or TSP limit.
“I moved part of my TSP strategy into an IUL after retiring from the Army. Same discipline, none of the sleepless nights when the market drops.”
— SFC (Ret.), 22 years of service
How your policy works
- 1
Fund it
You contribute monthly. A portion covers the death benefit, the rest builds cash value.
- 2
Grow it
Cash value tracks an index such as the S&P 500, credited up to a cap, floored at 0%.
- 3
Use it
Take tax-advantaged policy loans for retirement, a home, or an emergency.