Indexed Universal Life (IUL) Insurance
Protection. Growth. Flexibility. Your Legacy Starts Here.
What is an IUL?
Indexed Universal Life (IUL) insurance is a powerful financial tool that offers permanent life insurance protection with a unique twist—the ability to grow your cash value based on the performance of a market index, like the S&P 500, without risking your principal.
It’s not just life insurance—it’s a wealth-building, tax-advantaged strategy.
Tax-Free Growth
Your cash value grows tax-deferred and can be accessed tax-free—helping you build wealth while staying ahead of taxes.
Protected Market Growth
Earn interest based on a market index with built-in protection—so your money grows safely without exposure to stock market losses.
Lifelong Protection
Get permanent life insurance coverage that lasts a lifetime—providing financial security and peace of mind for you and family.
How Does an IUL Work?
Flexible Premiums
Pay premiums that work for your budget—adjust them as needed, and even skip payments if your cash value allows.
Cash Value Accumulation
Your premiums fund both the cost of insurance and your cash value, which grows over time based on the performance of a selected market index.
Accessing Your Cash Value
You can take tax-free loans or withdrawals from your policy’s cash value for emergencies, retirement, or other financial goals.
Financial freedom isn’t just about income—it’s about planning smart. With RLE Group and the power of an IUL, we can help you grow your money safely, protect your family endlessly, and prepare for life’s biggest milestones.
STILL NOT SURE?
Frequently Asked Questions
Can I lose money in an IUL if the market goes down?
No. IULs have a 0% floor, meaning your cash value won’t decrease due to market downturns. You get the upside potential without the downside risk.
How does my money grow in an IUL?
Your cash value earns interest based on a market index’s performance. It’s not directly invested in the stock market but mirrors it through crediting strategies with caps and participation rates.
Can I use the cash value while I’m still alive?
Yes! You can borrow or withdraw from your policy’s cash value for retirement income, emergencies, college funding, or even starting a business.
What happens if I take a loan from my IUL?
Loans are tax-free as long as the policy remains in force. However, unpaid loans reduce your death benefit and cash value over time.
Who is an IUL best suited for?
IULs are ideal for individuals looking for lifelong coverage, tax-free growth, and flexible financial planning—including business owners, parents, and future retirees.
Begin the Journey to Protect What Matters Most and Build Generational Wealth.
