1. Universal Life 101

Universal Life Insurance (UL) is flexible permanent coverage that builds cash value over time. A portion of each premium pays for the cost of insurance, while the remainder earns interest inside the policy.

You can adjust your premium payments and death benefit as your financial situation changes — making UL a long-term strategy for family protection, savings, or estate planning.

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2. Indexed Universal Life 101

Indexed Universal Life (IUL) works like traditional Universal Life but adds growth potential linked to market performance. Your cash value earns interest based on an equity index (like the S&P 500) — giving you upside growth without market losses.
Part of your premium covers life insurance, while the rest builds value that compounds tax-deferred.

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3. Comparing UL vs. IUL — Which Fits Best?

• Universal Life (UL):

  • Steady, predictable growth with guaranteed minimum interest.

  • Ideal for clients who want long-term stability and flexible premium options.

  • Often used for estate planning or supplemental retirement income.

 

• Indexed Universal Life (IUL):

  • Higher potential growth tied to market indexes.

  • No direct market exposure, so your cash value won’t decrease with the market.

  • Great for younger individuals or parents building long-term value for children.

  • Often used for college funding, tax-free retirement income, or legacy building.

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4. Key Benefits

• Flexible premiums — pay more or less as your needs change.

• Tax-deferred growth and tax-free death benefit.

• Cash value access through loans or withdrawals.

• Customizable riders for long-term care, chronic illness, or income protection.

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5. Speak to a Licensed Insurance Agent

Our advisors help you compare Universal and Indexed Universal Life side by side to match your goals — whether that’s legacy protection, retirement income, or a financial head start for your children. Speak to an Agent – To see the full list of carriers we work with, click here.