IUL Specialist
Indexed universal life
Permanent life insurance with flexible premiums, cash value that can be credited based on a market index — with a floor designed to protect against index declines — and a death benefit for the people you love.
What IUL is
A life insurance contract, structured with care
A portion of each premium pays for the cost of insurance and expenses; the remainder may accumulate as cash value. Premiums can be more flexible than whole life. Your money is not invested directly in the market. Indexing is a crediting method.
Life insurance is not an investment and should not be purchased as an investment vehicle or instrument.
Premiums after tax
Money placed into the contract has generally already been taxed. Growth can accumulate tax-favored while the policy remains in force.
Access via policy loans
When structured correctly, cash value may be accessed through policy loans that are typically not treated as taxable income if the policy stays in force and is not a MEC.
A tax-free death benefit
At death, the benefit generally transfers to beneficiaries income-tax free.
A conversation, not a pitch
Schedule a free consultation
Call (774) 277-8899 or request a time that works.