An IUL policy credits your cash value to S&P 500 gains in good years — and holds its ground, never losing value, in bad ones.
Every market crash resets your retirement clock — you spend years just getting back to where you were. An IUL policy's cash value is credited annually based on an index like the S&P 500, but it has a floor, typically 0%. When the index drops, your account doesn't.
You still get to participate in the upside, usually up to a cap, and the growth compounds tax-deferred. Pulled out correctly in retirement, that growth can come out tax-free.
20 minutes, over the phone or video. You'll leave with actual numbers, not a sales script.
We look at what you're currently saving, your timeline to retirement, and how exposed you are to a market downturn right now.
A side-by-side of your current trajectory against a policy structured around your budget.
Cap rates, floor, riders, and premium all get tailored to your income and goals.
“I'd watched my 401(k) drop twice in twenty years. Seeing the floor explained on paper made it click.”
“No pressure, no jargon. They walked through my actual numbers and let me decide.”
“I liked that the growth ties to the S&P without the downside.”
We review your income, retirement timeline, and how much of your savings is currently exposed to market risk, then show illustrative numbers for your specific budget.
It fits best for people with stable income who can commit to consistent premiums and have at least 10+ years before they need the money.
Your cash value's indexed credit has a floor, commonly 0%, so a negative index year credits no interest rather than a loss. Policy fees and cost of insurance still apply regardless of market performance.
No. You'll walk away with the numbers either way — what you do with them is up to you.
We'll text and email you shortly after to confirm your time. Sessions run about 20 minutes.