An IUL builds cash value tied in part to a market index, and it pays a death benefit. Structured properly, policy loans can give you access to that cash value without triggering current income tax. Loans also accrue interest and reduce what's left. We'll show you both sides before you decide anything.
Tell us a little about your goals. A licensed insurance agent will walk you through exactly how an IUL could work for you.
Ben & Andrea Wood went through a major health crisis in 2024, and came out on the other side with a deeper commitment to helping families protect their financial future.
Index credits are tied to the S&P 500 up to a cap, with a 0% floor in down years, so market losses aren't credited to your cash value. Policy charges and loan interest still apply, and caps can change.
A properly structured policy loan generally isn't treated as current income the way a 401k or IRA withdrawal is. But a loan isn't free money. It accrues interest, and it reduces your cash value and death benefit. If the policy lapses or you surrender it with a loan outstanding, you could owe tax. We'll walk you through the math before you sign anything.
How It Works
Three simple steps from conversation to cash-value growth.
Fill out the quick form — age, state, target coverage. Your agent will use it to build an illustration showing how a policy could work — including what it costs.
We run a custom illustration showing your projected cash value growth, retirement income, and death benefit — all with real numbers.
Get approved and funded. Your cash value grows tax-deferred, and policy loans can give you access later — with the costs and tradeoffs already on the table.