Permanent life insurance with cash value that can grow with the market — without the downside risk.
Indexed Universal Life (IUL) insurance is permanent life insurance that pairs a death benefit with a cash-value account linked to a market index. When the index rises your cash value can grow, while a built-in floor helps protect you from market losses.
Part of your premium funds the insurance protection, and the rest goes into a cash-value account. That cash value earns interest based on the performance of a chosen index — with a cap on the upside and a floor (often 0%) that keeps it from losing value in a down market.
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