How IUL works

IUL, made simple.

One policy that protects your family, can pay you if you get seriously sick, and builds money you can use later.

What you get

Protects your family

If you pass away, your family gets a payout to cover the bills.

Can pay you if you're sick

Access money early after a qualifying serious illness.

Living benefits →

Builds cash value

Part of what you pay can grow over time, and you can borrow against it.

How the cash value grows

↑

Market goes up

You earn interest, up to a limit (the cap).

↓

Market goes down

You earn 0%, but you don't lose money to the market.

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Need money?

Borrow against your cash value. No bank, no credit check.

Growth isn't guaranteed. Caps, policy charges and loan interest apply, and unpaid loans reduce the death benefit.

Is it right for you?

A good fit if you…

  • Have people counting on your income
  • Want coverage that never expires
  • Can set aside a steady amount each month

Maybe not if you…

  • Only need coverage for a few years
  • Can't keep up regular payments
  • Just want the cheapest monthly price

Don't let your next paycheck be your only plan.

Answer a few questions in about 60 seconds. A licensed agent will call you. No obligation.

See My Options →
See My Options →