Indexed Universal Life Insurance Information

Understanding IUL Policy Structure and Cash Value Features

Overview

Indexed Universal Life (IUL) insurance is a form of permanent life insurance that may include a cash value component linked to market indexes, subject to caps, floors, and participation rates.

Cash value is not directly invested in the market.


Key Educational Points
  • Permanent life insurance structure
  • Index-linked crediting features
  • Contract limits apply
  • Fees and charges may apply

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💡Indexed Universal Life FAQ – Your Questions Answered

No, it is an insurance product.

Performance varies by contract.

Policy values may be affected by charges and limits.