Index Universal Life Insurance
A vehicle that helps you build predictable, safe, tax-efficient wealth for the rest of your life.

Is Your Financial Future Secure?
Ask yourself the following essential questions to see if you’re on track.
Whether it’s safeguarding your savings, growing your wealth, or reducing your tax burden, an Indexed Universal Life (IUL) policy could be the solution you’ve been looking for.
Grow Your Wealth, Protect Your Principal, and Save on Taxes
Index Universal Life Insurance (IUL)
Fill out the form to connect with an advisor who will create a custom IUL plan tailored to you.
Key Benefits
No Losses in a Down Market
Your money grows within a set range, capped at 15%, and never dips below 0%. Even when the market declines, your cash value remains intact, thanks to a 0% “floor.” You’ll never lose money due to market downturns.
Tax-Free Growth
The cash value grows based on the performance of a selected stock market index, like the S&P 500. The cash value in an IUL grows on a tax-deferred basis, meaning you do not pay taxes on the growth.
Tax-Free Withdrawals
Access your cash value through policy loans or withdrawals without paying taxes, as long as your policy remains in force. Additionally pass on a tax-free death benefit to your loved ones, ensuring an efficient transfer of wealth.
Compound Growth Estimator
IUL policies typically allow you to grow a portion of your premiums through allocation to an index. Our customers average a 9% interest rate with a floor of 0%. This allows for high upside potential with downside protection. Did I mention it’s all tax-efficient?
Ask yourself the following 3 questions to see if you’re on track for a financially secure future.
Want Your Money to Be Safe?
IUL Solution: Downside Protection
- No Losses in a Down Market: Your money grows within a set range, capped at 9%, and never dips below 0%. Even when the market declines, your cash value remains intact, thanks to a 0% “floor.” You’ll never lose money due to market downturns.
Want Your Money to Grow?
IUL Solution: Tax-Free Growth
- Market-Linked Growth Potential: The cash value grows based on the performance of a selected stock market index, like the S&P 500. The cash value in an IUL grows on a tax-deferred basis, meaning you do not pay taxes on the growth.
Want to Save on Taxes?
IUL Solution: Tax-Free Withdrawals
- Tax-Free Income: Access your cash value through policy loans or withdrawals without paying taxes, as long as your policy remains in force.
- Tax-Free Legacy: Pass on a tax-free death benefit to your loved ones, ensuring an efficient transfer of wealth.
Key Benefits

Safe & Steady
Protect your principal while still benefiting from steady growth each year, with returns tied to an index like the S&P 500. You’ll enjoy growth within a set range, typically capped at 9% and never dropping below 0%, offering both security and potential gains.

Protective
Secure lifelong coverage with flexible options to protect you and your loved ones in a range of situations.

Tax-Efficient Growth
Gain the potential to build tax-efficient wealth by investing your premiums in a variety of assets that you select. This approach offers you the flexibility to customize your investment strategy, aligning it with your personal financial goals while optimizing for growth and tax advantages.
IUL vs Self-Funded Strategy
Comparison based on a $250 monthly contribution over 30 years, 8% annual growth rate.
Factor | Self-Funded Strategy | Indexed Universal Life (IUL) |
---|---|---|
Total Contributions | $90,000 | $90,000 |
Final Value (Before Taxes) | $375,183 | $375,183 |
Taxes (Average Rate of 25%) | $93,796 | $0 (Tax-Free Growth) |
Net Retirement Value | $281,387 | $375,183 |
Death Benefit | N/A | $100,000 |
Total Value (Retirement + Death Benefit) | $281,387 | $475,183 |

Backed by giants
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The ease of getting insurance with Legacy Financial

Coverage up to $1M with no medical exam. Just answer a few simple health questions.

Coverage for anything wether you want to protect your home or have a policy grow cash value.

95% of qualified applicants get instantly approved in 10 minutes or less.

Flexible options to fit different budgets and needs because life insurance isn’t a one-size-fits-all solution.

Dedicated support from our team. We’re committed to helping you find the right coverage.

Get a 30-day money-back guarantee. If you’re not fully satisfied in the first 30 days, we’ll refund you in full.
Frequently-asked questions
What Is Universal Life Insurance?
Universal Life Insurance is a type of Permanent Life Insurance that provides flexible premiums and the ability to adjust the death benefit. It combines the features of Term Life Insurance, which provides protection for a specific period of time, with the savings element of Permanent Life Insurance, which builds cash value over time.
What is Variable Universal Life (VUL) Insurance?
A type of Permanent Life Insurance that provides both a death benefit and a savings or investment component. It is similar to Indexed Universal Life Insurance but with the added feature of allowing policyholders to allocate their cash value into different investment options, such as mutual funds. One of the main advantages of VUL insurance is that it allows policyholders to participate in the potential growth of the stock market or other securities, and also allows them to have more control over the investment options of their cash value.
What are the advantages of Universal Life Insurance?
Universal Life Insurance offers several advantages over Term Life Insurance, including:
- Flexible Premiums: Unlike other types of life insurance, Universal Life Insurance allows policyholders to adjust the premium amount and payment frequency based on their changing financial situation.
- Cash Value Accumulation: Universal Life Insurance policies have a cash value component that grows over time, based on interest rates and investment returns.
- Tax Benefits: The cash value of a Universal Life Insurance policy grows tax-deferred, meaning that policyholders do not pay taxes on the earnings until they withdraw them.
- Permanent Coverage: Universal Life Insurance provides coverage for the insured’s entire lifetime*, as long as premiums are paid.
- Customizable Death Benefit: Universal Life Insurance policies typically allow policyholders to adjust the death benefit amount over time. This can be useful for those who want to increase or decrease their coverage based on changes in their financial situation.
Why save funds with life insurance? Why bundle protection and growth?
Cash value is a powerful savings and investment tool offered within a Permanent Life Insurance policy that can help you achieve your financial goals. Cash value life insurance can be used to generate tax-efficient growth, save for retirement, generate income, and provide liquidity for future needs. Additionally, cash value policies are an important aspect of succession planning and offer protection against creditors and legal cases in most states. With its many benefits, cash value life insurance is an excellent choice for those seeking long-term financial security.
When should I consider Universal Life Insurance as part of my insurance plan?
- Need for a death benefit: UL is best suited for those seeking life insurance coverage, not just its cash value savings.
- Sufficient cash flow: UL has higher premiums than Term Life Insurance, so it’s ideal for those who can afford higher payments.
- Life stage considerations: Other tax-advantaged accounts (like a 401k) may be better for building wealth, depending on your financial goals and situation.