Unlocking Financial Freedom: How Index Universal Life Insurance Can Build Your Tax-Free Retirement

IUL stands for Index Universal Life insurance, part of the Whole Life Insurance family. It allows you to use your cash value account like a line of credit, helping you build a tax-free retirement and create a lifetime income stream.

To maximize cash value, minimize the death benefit, reducing insurance costs. As your cash value grows, so does the death benefit. When you pass away, your family receives the death benefit plus cash value growth, minus any loans taken.

IULs typically offer average returns of 6% to 10% without stock market risk. Your cash value mirrors market gains, so you don’t lose money in downturns, but you benefit when the market rises.

This reliable concept has been around for over 100 years.