⭐⭐⭐⭐⭐ Angela M.
Isaac explained IUL in plain English and built an illustration around my goals. I love the flexibility as my income changes.
Isaac Orraiz – Insurance Agent
Indexed Universal Life (IUL)
Flexible Protection with Growth Potential
IUL is permanent life insurance with flexible premiums and an adjustable death benefit. Cash value can earn interest linked to a market index (not invested directly), subject to caps, participation rates, and policy charges.
About Isaac
Tailored life-insurance strategies—built around your goals
I help families design IUL policies with the right blend of protection and flexibility. We’ll review funding strategies, riders, and how loans/withdrawals can impact your coverage and long-term goals.
Isaac Orraiz
Licensed Insurance Agent
NPN: 21592068
What is Indexed Universal Life?
IUL is a type of universal life policy that credits interest to cash value based on an index (e.g., S&P 500®) using a policy’s crediting method. It typically includes a floor (e.g., 0%) that limits downside to the credited interest, and may include caps and participation rates that limit upside. Policy charges and the cost of insurance apply.
Who is it for?
IUL can fit people who want permanent coverage and cash-value flexibility:
- Need lifetime death-benefit protection
- Want potential, tax-advantaged cash-value accumulation
- Prefer flexible premiums and adjustable benefits
- Are comfortable with index caps/participation limits and policy charges
Loans and withdrawals reduce cash value and death benefit and may cause a policy to lapse. Tax treatment can vary—consult a tax professional.
How we design your custom IUL
We’ll build an illustration around your budget and goals:
- 1Identify coverage needs, riders, and time horizon
- 2Choose funding strategy and index crediting options
We’ll review:
- Coverage amount and funding levels
- Cap, floor, and participation rate mechanics
- Riders (e.g., accelerated benefits) and policy charges
- Loan/withdrawal strategies and risks
Illustrations are hypothetical and not guarantees of future performance.
IUL Basics
Common Questions
No. Indexes are used as a benchmark for crediting interest. Cash value is not directly invested in the market.
Ready to see a personalized IUL illustration? Book a 20-minute call.