The death benefit
A permanent death benefit for the people who count on you — coverage that doesn't expire the way term life does, as long as the policy stays funded and in force.
Permanent life insurance that protects the people who depend on you — and, inside the same policy, a cash-value layer you may be able to access during your lifetime, alongside (not instead of) your 401(k), pension, or other retirement accounts. It's life insurance first, with a savings feature built in — not a separate investment.
A death benefit for the people who depend on you, for as long as the policy stays funded and in force.
A savings layer inside the same policy — one you may be able to access later, on the policy's terms.
It's life insurance first. The cash value is a feature inside it, not a separate investment account.
Life insurance already protects your family if something happens to you. IUL adds a second job to the same policy: a cash-value account, funded by part of your premium, that builds inside the contract over time — a layer you control directly, alongside what your employer or pension already provides, not instead of it.
A permanent death benefit for the people who count on you — coverage that doesn't expire the way term life does, as long as the policy stays funded and in force.
Part of your premium builds a cash-value account inside the same policy. Its growth is linked to a market index, within a cap and a floor the insurer sets — a feature of the policy, not a brokerage account.
Same policy, three things people ask about most. Which ones matter to you depends on your goals and how the policy is funded.
A death benefit that lasts your whole life, not just a set number of years — coverage that stays in place as long as the policy is funded.
Cash value builds inside the policy alongside your 401(k), pension, or IRA — a separate, tax-advantaged bucket you control directly, not a replacement for those accounts.
Cash-value growth isn't guaranteed — it depends on index performance, policy charges, and how the policy is funded.You may access the cash value later through policy loans or withdrawals, subject to the value available, the policy's terms, and its charges. Loans reduce the death benefit until repaid.
Access depends on the policy staying in force and properly funded — not guaranteed, not unconditional.The insurer credits interest to your cash value based on how a market index performs, using three levers it sets on your policy and can adjust, within the contract's guaranteed limits, at renewal.
The most interest that can be credited in a period, even if the index does better.
The least that can be credited. Index crediting includes a floor, but the policy's own charges still apply and can reduce your cash value even in a floor period.
How much of the index's gain actually counts toward your credited interest.
Fifteen minutes, no pressure. I'll walk through a real, carrier-generated illustration for your age and health — what it would cost, what it's built to do, and whether it's the right fit alongside what you already have.
Demo page: in production this embeds Demo Agent's live booking calendar. Contact details are placeholder demo data — Demo Financial Group, demoagent@trustedproducers.com, (515) 555-0142 — not a real line or inbox.
General information only — not investment, financial, or tax advice, and not a guarantee of coverage or performance. Indexed universal life insurance is life insurance, not a security or a direct investment in the stock market or any index. Cap rates, floors, participation rates, and policy charges vary by carrier and product and can change. Cash-value access through policy loans or withdrawals is subject to available value, policy terms, and charges, and loans reduce the death benefit. Tax treatment depends on the policy being properly structured, funded, and maintained, and is not guaranteed. Demo Agent is an independent, licensed producer working with multiple carriers; availability, features, and pricing vary by state and carrier and are subject to underwriting and suitability review.