Grow tax-free wealth and leave a legacy with IUL in Tennessee. Permanent life coverage with cash value linked to a market index — no market risk, flexible premiums, and tax-advantaged distributions for retirement.
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
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.
IUL can fit people who want permanent coverage and cash-value flexibility:
Loans and withdrawals reduce cash value and death benefit and may cause a policy to lapse. Tax treatment can vary—consult a tax professional.
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Discover how AI advancements may lead to a jobless future and what it means for you.
Get a complete breakdown of IUL insurance costs. Learn about premiums, fees, surrender charges, and total cost of ownership to understand the real cost of IUL insurance.
Learn how to use IUL insurance as a retirement planning tool. Understand tax advantages, retirement income strategies, policy loans, and how IUL can supplement your retirement savings.
Ready to see a personalized IUL illustration? Book a 20-minute call.
