Indexed Universal Life
Lifetime protection with the potential to grow your money—without market risk.
Indexed Universal Life Insurance (IUL)
Flexible Protection. Growth Potential. Lifetime Security.
Indexed Universal Life insurance combines permanent life insurance protection with the potential to build cash value tied to market indexes—without direct market risk. It’s designed for those who want lifelong coverage and the opportunity to grow savings over time.
At My Family Protected, IUL insurance is about flexibility—protecting your family today while helping you plan for tomorrow.
How Indexed Universal Life Insurance Works
Coverage lasts for your entire lifetime
Flexible premiums that can adjust as your needs change
A guaranteed death benefit for your beneficiaries
Cash value growth potential linked to market indexes
Protection from market losses through built-in floors
IUL offers growth opportunity without direct exposure to market downturns.
Why Families Choose IUL Insurance
IUL insurance is designed for families who want protection and long-term financial flexibility.
It can help your loved ones:
Receive a tax-free death benefit
Build cash value for future needs or retirement income
Maintain coverage while adapting to life changes
It’s protection with options—today and for the future.
Who Indexed Universal Life Insurance Is Best For
IUL insurance may be a good fit if you:
Want permanent coverage with growth potential
Prefer flexibility in how and when you pay premiums
Are interested in tax-advantaged cash value growth
Want a policy that can adapt as your financial goals evolve
It’s often used as part of a broader long-term planning strategy.
Growth Potential with Built-In Protection
IUL policies allow cash value to grow based on the performance of market indexes, such as the S&P 500—while protecting against losses during market downturns. At My Family Protected, we work with multiple A and A+ rated carriers to help design an IUL policy that balances protection, growth potential, and long-term stability.
IUL FAQs
What is Indexed Universal Life (IUL) insurance?
IUL is a type of permanent life insurance that provides lifelong coverage and allows cash value to grow based on market index performance, with protection against market losses.
Can I lose money in an IUL policy?
IUL policies typically include a floor that prevents losses due to negative market performance. However, caps, participation rates, and policy costs can affect growth.
Is the cash value guaranteed?
The death benefit is guaranteed, but cash value growth is not guaranteed. Growth depends on index performance and policy features.
Can I access the cash value?
Yes. Many IUL policies allow access to cash value through loans or withdrawals, which may impact the death benefit.
Is the benefit taxable?
In most cases, life insurance benefits are paid tax-free to your beneficiaries.
How quickly are claims paid?
We use only A-rated carriers and benefits are paid within 24–48 hours once a claim is approved.
Who should consider IUL insurance?
IUL is often suitable for individuals seeking permanent coverage with flexibility and long-term cash value growth potential.