01
Retire
IUL MARKETPLACE · CLEAR OPTIONS · LICENSED GUIDANCE
Protect what matters.
Build options for tomorrow.
See how indexed universal life insurance can combine a death benefit, qualifying living benefits, and long-term cash-value potential—then decide whether it fits your goals.
Clear education Licensed professionals Personalized illustrations
Your IUL path3 clear steps
- 01ChooseTell us what matters most.
- 02LearnSee the mechanics and tradeoffs.
- 03TailorMeet a licensed expert for 15 minutes.
Step 1 of 3 · Choose
What do you want your IUL to do?
There is no “best” IUL in the abstract. Start with the job you need the policy to do, then compare designs around that goal.
02
Build
Cash accumulation
Understand how a properly funded policy can build cash value that may be accessed later.03
Prepare
Living benefits
Learn how qualifying living-benefit riders may provide access during a serious illness.04
Protect
Wealth protection
Protect income, major obligations, family plans, and the legacy you want to leave.15-minute introductory fit callLicensed professional guidancePersonalized carrier illustration
The three core jobs
Protection at the center.
Flexibility around it.
An IUL is life insurance first. Its riders and cash-value features can add options before the death benefit is needed.
01
Death benefit
Up to $2M on select products
Build a financial safety net around income, major obligations, and the legacy you want to leave.
Available amounts depend on product, state, age, financial justification, health, and underwriting approval.02
Living benefits
Up to 90% on select riders
Select riders may accelerate part of the death benefit after a qualifying terminal, chronic, or critical illness.
Percentages are product-specific; qualifying events, limits, charges, discounts, and policy impact vary.03
Cash-value potential
Built for the long term
A properly funded policy may build value you can access later through withdrawals or policy loans.
Access is not guaranteed. Loans accrue interest, reduce policy values and benefits, and can create tax consequences.“Up to” describes a possible maximum for select products—not a promise of eligibility, payout, timing, or policy performance.
Explore all eight potential IUL benefitsWhat “marketplace” means here
Compare the policy mechanics—not just the headline.
IUL Marketplace provides an educational comparison framework and a path to licensed guidance. Before considering options, ask which insurers and products the professional can represent and how they are compensated.
01Protection
Coverage amount, duration, death-benefit option, and premium durability
02Living benefits
Qualifying conditions, rider limits, charges, discounts, and state availability
03Cash value
Guaranteed values, non-guaranteed assumptions, charges, and surrender periods
04Index crediting
Caps, participation rates, spreads, floors, and available strategies
05Policy access
Withdrawal rules, loan types, interest, lapse risk, and benefit impact
06Underwriting
Eligibility, evidence requirements, potential timing, and carrier review
07Carrier scope
Which insurers and products the licensed professional is authorized to represent
Clear enough to compare. Personal enough to fit. Any options presented should reflect your needs, budget, health profile, state, carrier availability, and ability to fund the policy for the long term.
IUL in two minutes
Life insurance with index-linked interest-crediting potential.
Your premium supports the cost of insurance, policy expenses, and—when funded above those costs—cash value. That value may receive interest credits based in part on a market index, subject to the policy’s rules.
- You are not directly invested in the index.
- Caps, participation rates, spreads, and floors can change.
- Policy charges continue even when an index credit is 0%.
- Guaranteed and non-guaranteed illustration values are different.
A simple policy mapIllustrative—not to scale
Your premiumFunds the policy
SupportsInsurance protectionCost of insurance + expenses
May buildPolicy cash valueEligible for index-linked credits
Results depend on funding, charges, index-crediting terms, and policy performance.
A clearer expectation
A faster path may be available.
Digital and accelerated underwriting can make the process easier for eligible applicants. The insurer decides which evidence each application requires.
Not guaranteed.Availability depends on carrier, product, state, age, coverage amount, and applicant profile. Health questions, prescription history, medical records, labs, an exam, and consumer-report data may be required. Approval, rate class, amount, and timing are determined by the insurer.
An IUL may fit when…
You need permanent protection and can fund it for the long term.
- Your first priority is life insurance protection.
- You value flexible premiums within policy limits.
- You understand projections are not guarantees.
- You can review the policy regularly.
It may not fit when…
You need short-term access, guarantees alone, or the lowest-cost temporary coverage.
- — Premiums would strain your current budget.
- — You expect stock-market returns without policy costs.
- — You need substantial cash value right away.
- — Term coverage alone better matches the need.
Choose · Learn · Tailor
From interest to a personalized next step.
Choose your priority
Start with tax-free retirement, cash accumulation, living benefits, or wealth protection.
Learn what matters
Review the mechanics, limitations, and questions your illustration should answer.
Meet for 15 minutes
A licensed professional can confirm fit and explain the application and underwriting process.
What trustworthy guidance looks like
Education before recommendation.
IUL Marketplace is an educational starting point. A recommendation should only follow a review of your actual needs, budget, state, health profile, and appropriate alternatives.
Benefits, costs, assumptions, and limitations are explained together.
Your decision should be supported by a current illustration and the issued contract.
Product availability and recommendations must be handled by an appropriately licensed professional.
A fit conversation should consider term, whole life, and other appropriate options—not assume IUL is best.
Want the full picture? Read benefits, crediting terms, policy access, costs, comparisons, underwriting, and illustration questions in one place.
Read the complete IUL guideAsk before you apply
Clear answers to common IUL questions.
Good policy decisions start with the contract, current carrier illustration, and an honest conversation about tradeoffs.
Discuss my questionsIs an IUL an investment in the stock market?
No. An IUL is permanent life insurance. Its interest credits may be linked to an index, but you do not own the index or its shares. Crediting rules and policy charges both affect results.
Can cash value go down even with a 0% floor?
Yes. A 0% index-crediting floor generally applies to the crediting calculation, not to the full policy value. Insurance costs and other policy charges can still reduce cash value.
How soon can I borrow from the policy?
It depends on the policy design, funding, charges, and performance. Early values may be limited, so access after “a couple of years” should be evaluated in a carrier illustration—not treated as a promise.
Are policy loans tax-free?
Loans are often received without current income tax when a policy remains in force and is not a modified endowment contract, but they accrue interest and reduce policy values. A lapse or surrender with gain may create tax consequences. Ask a qualified tax professional about your situation.
Can I really access up to 90% for living benefits?
Some products advertise maximum acceleration percentages, but the amount actually available depends on the rider, qualifying event, age, severity, discount method, and contract limits. An acceleration also reduces the remaining death benefit.
Can I get up to $2 million of coverage?
That may be an available target with select carriers, but it is not automatic. Coverage depends on product and state availability, age, health, financial justification, and underwriting approval.
Do beneficiaries receive the death benefit plus the cash value?
Not necessarily. Under a level death-benefit option, cash value generally supports the stated death benefit rather than being paid in addition to it. An increasing option may combine the insurance amount and account value. The issued contract and any outstanding loans or withdrawals determine what is paid.
Can an IUL replace my 401(k) or IRA?
An IUL is life insurance, not a qualified retirement plan. It does not replace the need to compare employer matches, contribution rules, costs, liquidity, investment ownership, and tax treatment across retirement accounts and insurance. Its first purpose should be a real life insurance need.
Is approval instant and guaranteed with no medical exam?
No. Faster digital underwriting may be available. Some eligible applicants may receive a decision as soon as the same day or qualify without an exam, while others may need records, labs, an exam, or more review. Approval, timing, rate class, and coverage are never guaranteed.
What happens in the 15-minute call?
It is an introductory fit call: confirm your priorities, review basic eligibility and budget, and map the next step. It is not a promise that an application, approval, or issued policy will be completed in 15 minutes.
Your next step
You do not need to know which policy fits
before you book.
Bring your primary goal and desired monthly contribution. A licensed professional will help clarify the options and next step.
View available appointments