Indexed Universal Life · Tax-Advantaged Cash Value

Indexed Universal
Life Insurance

IUL combines life insurance protection with tax-deferred cash value credited based on a market index. A 0% floor means a down year credits 0%, not a loss, though policy fees and charges still apply. Policy loans are generally income-tax-free if the policy is structured properly and stays in force. Your advisor explains if IUL fits your strategy — free.

Learn About IUL ↓

No SSN required · No obligation · Or call (844) 788-3733

Index Floor (Fees Apply)

Tax-Deferred

Cash Value

Permanent

Coverage If Kept in Force

Our Fee

See If IUL Is Right for You

A few questions about your goals and financial situation. No SSN required. Your advisor explains how IUL works and whether it fits.

How It Works

Covered in Three Steps

No jargon. No pressure. Just straightforward help from a licensed advisor.

Answer a Few Questions

ZIP code, household size, and estimated income. About 60 seconds. No SSN needed.

We Compare Every Plan

A licensed advisor reviews every option in your area, verifies doctors, and calculates your exact cost.

Choose and Enroll

Pick the plan that fits. Your advisor handles the application and stays available all year.

What You Get

More Than Just a Plan

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Index-linked crediting. Interest credited to your cash value is linked to the S&P 500 or another index, subject to caps and participation rates that vary by carrier and contract. Your cash value isn’t invested directly in the market.

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0% floor. When the index drops, the floor means no negative index credit for that period. Policy fees and cost of insurance are still deducted, so cash value can still go down.

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Tax-advantaged access. Policy loans are generally income-tax-free if the policy is structured properly and stays in force. Loans reduce the death benefit, and a lapse can create taxable income.

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Permanent life insurance. Coverage for your entire life as long as the policy stays in force, not just a term. The death benefit is generally income-tax-free to beneficiaries.

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Tax diversification. IUL can add a tax-advantaged bucket alongside your 401(k) (tax-deferred) and Roth IRA (limited contributions).

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No-pressure education. IUL isn’t right for everyone. Your advisor explains the pros, cons, and whether it fits your specific goals.

Carriers & Networks We Work With

Reviews

What Our Members Say

Life Insurance That
Can Build Cash Value.

Index-linked crediting with a 0% floor (fees still apply). Policy loans that are generally income-tax-free if the policy is structured properly and stays in force. Your advisor explains if IUL is right for you — free.

Learn About IUL →

FreedInsure LLC · Licensed agent Constantino Lardi, NPN 20230457 · Serving 42 states
Not affiliated with the U.S. Government. · Privacy Policy

Learn About IUL →📞

Indexed UniversalLife Insurance