Indexed Universal Life Insurance
Lifelong protection with cash value growth linked to market indexes — without direct market risk.
Permanent protection with growth potential.
Indexed universal life (IUL) is permanent life insurance that stays in force your entire life, as long as premiums are paid. Beyond the death benefit, an IUL builds cash value that grows based on the performance of market indexes — with a guaranteed floor that protects you from market losses.
Over time, that cash value can be accessed through loans or withdrawals to supplement retirement income, fund opportunities, or handle emergencies — all while your coverage continues.
Why families choose indexed universal life.
Index-Linked Growth
Cash value grows with market indexes, credited interest with caps and floors — never losing value when markets fall.
Tax-Deferred Cash Value
Cash value grows tax-deferred and can be accessed through policy loans, often tax-advantaged.
Flexible Design
Adjust premiums and death benefit as your life changes — more protection when you need it, less when you don't.
How We Help
- Design a funding strategy that fits your budget and goals
- Compare index strategies, caps, and participation rates
- Understand how to access cash value through loans and withdrawals
- Add riders like chronic illness and long-term care protection
- Review your policy annually to keep it on track
Who It's For
- Families who want lifelong coverage, not just a term
- Anyone building a tax-advantaged supplement to retirement savings
- Those seeking cash value growth without direct market risk
- Business owners planning succession or key-person protection
Ready to talk about indexed universal life?
Schedule a complimentary, no-obligation consultation with a licensed TriYash advisor.