An IUL is permanent life insurance with cash value that can earn interest based on a market index like the S&P 500, with a floor that protects your credited interest when the market drops.
Get my free quoteCall 1-877-708-4876Your premium pays for coverage, and the rest goes into cash value that earns interest tied to an index.
When the index rises, your cash value is credited interest up to a cap set by the insurer.
When the index falls, your credited interest won't go below 0%. Policy charges still apply, so funding matters.
Within limits, you can adjust how much you put in as your life and income change.
Use policy loans or withdrawals for retirement income, college, or emergencies, with potential tax advantages when structured properly.
Takes about a minute. A licensed agent will reach out with your options.
No. It's life insurance. Your cash value is not invested in the stock market. Interest is credited based on an index, subject to caps and participation rates.
Your credited interest won't go below 0% because of index losses, but the cost of insurance and policy fees continue. If a policy is underfunded, cash value can decline and the policy can lapse.
Through policy loans and withdrawals. Done correctly, this can provide tax advantaged income. Loans accrue interest and reduce the death benefit.
Usually people in their 20s to 50s with steady income who want permanent coverage and long term savings, and who will fund the policy consistently.
Most families end up with a mix. We'll help you sort it out on a quick call.
Vincent Dinh, Licensed Life Insurance Agent. CA License #0G06700. NPN #10433013. Lani Kai Group is an independent insurance agency serving clients in all 50 states and the District of Columbia through agents licensed in each client's state. Products and coverage are not available in all states.
Coverage, rates, and eligibility are determined by the issuing insurance company and are subject to underwriting. This page is for informational purposes only and is not a guarantee of coverage or price. Lani Kai Group does not offer variable products or securities, and does not provide tax or legal advice.
Indexed universal life insurance is not a security or a direct investment in the stock market or any index. Index crediting is subject to caps, participation rates, and spreads set by the insurer, which may change. Policy charges reduce cash value. Illustrations are hypothetical and not guaranteed. Loans and withdrawals reduce cash value and death benefit, accrue interest, and may cause the policy to lapse, which can create a tax liability. Consult a tax advisor about your situation.