Indexed Universal Life

  • An IUL is a permanent life insurance plan that gives you lifelong protection while letting your cash value grow based on the performance of market indexes—without ever risking your principal. When the market goes up, your cash value earns interest (up to a cap). When the market drops, you never lose money because you’re protected by a guaranteed floor. It’s flexible, it builds tax-free cash value, and you can access that money during your life for retirement, income, or major expenses. IULs are designed for people who want long-term protection and the potential for higher growth than traditional whole life, while still avoiding the risks of investing directly in the stock market.

  • Tax-free cash value growth tied to market indexes

  • No market losses thanks to a guaranteed floor

  • Potential for higher returns than whole life

  • Flexible premiums and flexible access to your cash

  • Lifetime protection with a growing financial asset

  • Tax-free loans you can use for retirement or major expenses

Who an IUL Is Best For

  • An IUL is ideal for people who want long-term protection and tax-advantaged growth without taking on stock-market risk. It’s a strong fit for adults in their 20s–50s who want to build a tax-free retirement stream, high-income earners looking for another place to store money safely, homeowners wanting a lifetime policy that grows over time, and anyone who wants to protect their family while building a financial asset they can access later. If you want the upside of market growth with none of the downside losses, an IUL is the play.

Frequently Asked Questions

Can I lose money with an IUL?

No. Your cash value has a guaranteed floor, so even if the market drops, your account never goes negative.

How does the cash value grow?

Your growth is tied to a market index (like the S&P 500). When the market goes up, you earn interest up to a cap. When it drops, you earn zero—never a loss.

Can I use the money while I’m alive?

Yes. You can take tax-free loans from the cash value for retirement income, emergencies, or major expenses.

Is an IUL better than whole life?

If you want higher growth potential and flexibility, yes. Whole life is more stable; IUL is for long-term growth with no market downside.

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