A permanent death benefit
Coverage can remain in force when the policy is sufficiently funded and other contract requirements are met.
Indexed universal life
Permanent protection with long-term flexibility.
Explore life insurance that combines a death benefit with cash value that may receive interest based in part on the performance of a market index—without direct market investment.
Understanding the coverage
Protection first. Index-linked interest potential second.
Indexed universal life is permanent life insurance with flexible premiums and a cash value component. Interest may be credited using a formula tied to an external index. Cash value is not invested directly in the index, and credited interest is shaped by the policy’s caps, participation rates, spreads, floors, and charges.
Flexible policy design
Premiums and death benefit options may offer flexibility within contract and tax-law limits.
Index-linked crediting
Interest potential can be linked to an index formula, with downside and upside limits established by the contract.
A thoughtful review
What we’ll look at together.
The right design depends on more than a coverage amount. We’ll review the details that shape a suitable, sustainable choice.
Start the conversation →01
The underlying protection need
02
Premium commitment and funding plan
03
Guaranteed and illustrated values
04
Charges and cost of insurance
05
Crediting methods and limits
06
Lapse, loan, and tax risks
The TLW perspective
An illustration is a scenario—not a promise.
A responsible IUL review looks beyond projected values. We compare guarantees, non-guaranteed assumptions, funding durability, policy charges, and what happens under less favorable performance.
Important to understand
IUL cash value growth is not guaranteed. Charges can increase, crediting terms can change within contract limits, and insufficient funding or loans may cause lapse. Loans and withdrawals reduce values and may create tax consequences, particularly if a policy lapses or becomes a modified endowment contract.
Common questions
Get the basics.
Then make it personal.
Is an IUL invested in the stock market?+
No. The insurer uses a formula linked to an external index to determine credited interest. The policy does not directly own index shares, and dividends are generally not included in index calculations.
Can an IUL lose value?+
A crediting segment may have a floor against negative index crediting, but policy charges still apply and can reduce cash value. A policy can lapse if it is not adequately funded.
Can cash value be used during life?+
Policy loans or withdrawals may provide access, but they reduce cash value and death benefits, accrue costs, and can increase lapse and tax risk. The contract should be reviewed before any distribution.
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Your next step
Make your protection plan feel clear.
Start with a no-obligation conversation about your goals and questions.