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Indexed Universal Life Insurance (IUL)

Lifetime Protection with Growth Potential.

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Looking for life insurance that does more than just cover your loved ones? Indexed Universal Life (IUL) gives you permanent protection plus the opportunity to build tax-deferred cash value tied to market performance without direct market risk.
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Why Choose Indexed Universal Life?

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Lifelong Coverage

Enjoy permanent life insurance with guaranteed death benefit protection—no matter how long you live.

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Cash Value Growth

Your policy's cash value earns interest based on a market index, such as the S&P 500. When the index performs well, your value grows—up to a cap. When it drops, your value is protected by a built-in floor (typically 0%).

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Tax-Advantaged Access

Withdraw or borrow from your policy’s cash value in retirement or during life’s unexpected turns—often tax-free.*

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Flexible Premiums

Adjust your payments over time to fit your needs and goals, not the other way around.

Is Indexed Universal Life right for you?

  • You want permanent life insurance that won’t expire
  • You prefer market-linked growth with downside protection
  • You value flexibility in how and when you pay premiums
  • You want to build a legacy and protect your financial future
If any of these seem like must have in your planning process, consider an Indexed Universal Life (IUL) policy.
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Indexed Universal Life Products

Enjoy the flexibility to excel

LegacyAccel® IUL

LegacyAccel® offers flexibility to protect your loved ones financially, grow cash value with market linked performance and accelerate your death benefit** in the event of terminal illness or cognitive impairment.
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Ready To Take the Next Steps?

Talk to a financial professional to learn where whole life insurance fits into your financial plan.

* Loans/withdrawals may reduce the death benefit and policy value.
** Availability and terms vary by product, state, and distribution. Only available through a limited number of financial professionals.