Indexed Universal Life
Permanent coverage with flexible premiums and index-linked crediting — with real trade-offs you should understand.
Who it fits
- Flexible premium schedules
- Interest in index-linked crediting with a floor
- Long-term supplemental planning
How it works
- 1You choose a death benefit and fund the policy within IRS and carrier limits.
- 2Cash value is credited based on an index formula with a floor (often 0%) and a cap or participation rate.
- 3You are not invested in the market and do not receive index dividends.
- 4Policy charges are deducted from cash value monthly and generally increase with age.
Trade-offs to know
- Values are not guaranteed. Caps and participation rates can be changed by the carrier.
- Illustrations are hypothetical, not projections, and actual results are commonly lower.
- Underfunding or poor crediting can require additional premium to keep the policy in force.
- This is life insurance, not an investment or a retirement account.
Indexed universal life values are not guaranteed. Index credits are subject to caps, participation rates, and floors that the carrier may change. Illustrated values are hypothetical, are not a projection of future results, and policy performance may be lower — including outcomes where additional premium is required to keep the policy in force.
Configure your request
Choose what fits. Your selections travel with your booking so the call starts with real numbers.
All coverage is subject to carrier underwriting approval. Rates, availability, and policy features vary by state, age, health, and carrier. Nothing on this site is an offer of insurance or a guarantee of coverage or price.
Common questions
The index floor protects credited interest from negative index years, but policy charges still come out of cash value. Cash value can decline, and a poorly funded policy can lapse.