PermanentCash ValueIndex-Linked

Indexed Universal Life (IUL)

Educational overview. IUL is a permanent life-insurance category with cash-value growth tied to a market index (commonly S&P 500 with caps/floors). Surrounded by common misunderstandings — speak with a licensed advisor and read policy illustrations carefully.

Indexed Universal Life (IUL) is a permanent life-insurance policy category where the cash-value component is linked to the performance of an external index such as the S&P 500. Common policy features include a cap (the maximum credited rate), a floor (often 0%), a participation rate, and a premium-to-coverage-structure that influences the no-lapse guarantee. Surrounded by marketing claims—review the policy illustration carefully and ask your licensed advisor to walk through each scenario with you.

Educational content only. This information is not financial, tax, or legal advice. Product availability varies by state and carrier underwriting. Speak with a licensed advisor before making decisions based on this content.

By Laura Flaherty · Last reviewed recently.

Service-specific FAQ

Indexed Universal Life (IUL) — common questions

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No purchase, commitment, or pressure. By submitting, you agree to be contacted at the phone/email above. Product availability varies by state and by carrier underwriting. This is educational, not financial advice.