What Is an IUL — and How to Use It for Retirement
Pensions are fading, markets are volatile, and Americans are living longer. That combination puts real pressure on retirement income — and it's why properly-structured Indexed Universal Life (IUL) policies have become a meaningful piece of many of our clients' plans.
How an IUL Works
An IUL is permanent life insurance with a cash-value account that grows based on the performance of a market index — but with a floor (typically 0%) that protects you from losses. You get market-linked upside without the downside risk.
The cash value can later be accessed through policy loans, which are generally tax-free and don't count against Social Security or Medicare income thresholds.
Where IULs Go Wrong
An IUL is only as good as its design. Overfunded, properly structured, low-cost policies can be exceptional. Underfunded or commission-heavy designs can underperform badly. The difference is in the engineering, not the product.
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