Is an Indexed Universal Life Policy (IUL) appropriate for you?
Indexed Universal Life (IUL) is a form of permanent life insurance offering tax-advantaged cash value growth linked to a market index, with a guaranteed floor but limited upside cap, best used deliberately for tax diversification, risk management, and estate planning. While it provides income tax-free death benefits and tax-favored access to cash via loans, it is complex, incurs fees and rising costs that can erode returns, and historically trails direct equity market performance. IUL is most appropriate when other tax-advantaged accounts are maxed out, and the client is willing and able to aggressively fund the policy for the long term.
Learn more here: IUL Pros and Cons.pdf
Authored by: John Pollock