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With 700+ IUL policies corrected Every Month Week, we’re proven experts at getting IULs to perform, at any company:

What is Indexed Universal Life?

Provided by an IUL.org Score Participant
Corebridge Financial, a Publicly Traded Company.

Videos, Research & Brochures

Provided by an IUL.org Score Participant:
Corebridge Financial, a Publicly Traded Company.

Pyramid Of Philanthropy (20 mins)

Understand Life Insurance with The Butterfly Chart (10 mins)

IUL Product Brochure

Illustrated vs. Actual Index Returns

Living Benefit Details (Lump Sum)

Living Benefit Details (Income)

What 8 actual IUL Score Recipients are Saying:

“I love [Agent}}!! They went above and beyond to explain the full package that better fits with me and my family. Whatever you don’t understand he’s always a phone call away. The best customer service that I’ve had in a long time.

So, if you are out there and looking to get and IUL, please contact him to help you out!”
— Della J
“I had responded to a social media video, and within 24 hours, I had an agent review my IUL! My agent educated me on the different types of life insurance policies and got my policy fixed! I have such peace of mind knowing that my policy will actually allow me to retire instead of implode”
— Laura D
“They are caring, informative and patient with explaining what, if anything, I was unsure about. We were able to come up with options designed to meet my needs which made my decision easier. I highly recommend him! He knows what he’s doing and he cares!”
— Irene A
“I had the most amazing experience with [Agent]! I am looking forward to a lifetime on peace knowing I have taken the first step of making sure I am covered when the time of my departure is at hand. People need to get this for their kids when they are young so by the time they reach college they can withdraw from the investment! This is amazing and so is [Agent]!”
— Paula R
“I’m very pleased with my experience with this company. I spoke with [Agent]. He is very knowledgeable and patiently explained everything in great detail.”
— Julian A
“Ended a very successful and informative call. [Agent]’s patience and attention to detail instantly adds so much value to her clients. Knowledgeable in all areas, she answered and explained every last question I had, she genuinely cares. I have a safe net that will also build up over the years! This is the type of Insurance everyone needs life and growth. Couldn’t be happier, [Agent] deserves a 6th star. Thank you for your help!!!!”
— Wallace W
“[Agent] was wonderful to worked with. Definitely recommend!
Update: [Agent] opened an IUL for my daughter a few months ago and she agreed [Agent] is TOP NOTCH!
Super knowledgeable with each and every question she had!!
Thx [Agent]!”
— Frank H

Top 10 FAQs

  • An Indexed Universal Life (IUL) policy is a type of permanent life insurance that offers a death benefit and a cash value component. It allows policyholders to allocate premiums to either a fixed account or an indexed account linked to a market index. Upside potential with downside risk all with a death benefit.

  • Unlike traditional whole life insurance, IUL policies offer potential for much higher returns through indexing to a portfolio of market accounts. They also provide flexibility in premium payments and the potential to adjust death benefits and cash value accumulation over time.

  • The cash value in an IUL policy accumulates based on a fixed account plus the performance of the chosen market index, with a floor to protect against losses.

  • Some benefits of an IUL policy include potential for higher returns compared to traditional whole life policies, flexibility in premium payments, tax-deferred growth of cash value, and the ability to access cash value through policy loans or withdrawals.

  • Yes, there are risks associated with IUL policies. Market downturns can limit the growth potential of the cash value, and policyholders may face caps and participation rates that affect returns. Additionally, policy loans and withdrawals can reduce the death benefit if not repaid.

  • Yes, IUL policies can often be customized to fit individual needs. Policyholders can typically adjust death benefits, premium payments, and allocation percentages between the fixed and indexed accounts to align with their financial goals.

  • Generally, the cash value growth in an IUL policy is tax-deferred, meaning it's not subject to income tax until withdrawn. However, policyholders should consult with a tax advisor regarding their specific situation as tax laws may vary.

  • Yes, some people use IUL policies as part of their retirement planning strategy. The cash value accumulation and potential for tax-free withdrawals or policy loans can provide income during retirement.

  • Yes, policyholders can typically surrender or cancel their IUL policy at any time. However, there may be surrender charges and tax implications, so it's essential to review the policy terms and consult with a financial advisor before making a decision.

  • IUL policies may be suitable for individuals looking for life insurance coverage with the potential for higher returns and flexibility in premium payments. They may also appeal to those seeking tax-deferred cash value growth and supplemental retirement income. However, it's essential to evaluate individual financial goals and risk tolerance before purchasing an IUL policy.

We’ve found that 97% of IUL Policies score below 45. Yet, many customers have no idea of the money they’re wasting.

Our only purpose is to help you.