Insurance today,
opportunity tomorrow
Your life insurance should do more than provide a death benefit. With an IUL, you can protect your family and also build cash value that’s flexible for the future—whether it’s retirement income, college funding, or unexpected needs along the way.
What is Indexed Universal Life Insurance (IUL)?
Life Insurance That Works Harder for You
Indexed Universal Life Insurance (IUL) is designed to give you the best of both worlds: protection and growth potential. Like traditional life insurance, it provides a death benefit to help safeguard your loved ones. But unlike standard policies, it also builds cash value that can grow over time based on the performance of a market index—without exposing you to direct market losses.
How IUL works?
A Policy Designed to Evolve With You
When you pay premiums into an IUL, a portion goes toward your life insurance coverage, while the rest builds cash value. That cash value has the potential to grow based on the performance of an index, such as the S&P 500®. Unlike investing directly in the market, your money is not at risk of loss when the index drops. Instead, your policy includes a floor that protects your value from market downturns, while still allowing for upside potential.
Why Choose an IUL?
Protection with flexibility |
Your loved ones are covered with a death benefit, while you gain access to cash value you can use during your lifetime.
Growth potential |
Cash value can increase when the index performs well, with built-in protection from negative market returns.
Tax advantages |
Enjoy tax-deferred growth and potential tax-free access to cash value for qualified needs.
Customizable coverage |
Adjust premiums and death benefits as life changes.
Living benefits |
Access policy value for retirement income, education expenses, or emergencies.
More Than Just Insurance
An IUL isn’t
only about protecting your family
It’s also about creating opportunities for your future. Policyholders often use IULs to:
✅ Supplement retirement income
✅ Save for education costs
✅ Cover unexpected expenses
✅ Create a legacy for heirs or charities
Who Benefits Most From IUL?
IUL policies may be a great fit if you want:
◾️ The security of life insurance plus the potential for cash value growth
◾️ Long-term financial flexibility that adapts with your needs
◾️ Tax-advantaged strategies for retirement or wealth transfer
One Size Doesn’t Fit All
Your life, goals, and financial needs are unique—and your life insurance policy should reflect that. Indexed Universal Life (IUL) offers flexibility to customize coverage, growth potential, and living benefits so your policy works for you today and adapts as life changes.
Why Choose a Customized Policy?
1. Adjustable Protection
Your coverage doesn’t have to stay the same for the next 30 years.
You can increase or decrease your death benefit (within policy limits) as your family and financial situation evolve.
2. Flexible Premiums
Unlike traditional policies, IUL lets you adjust the timing and amount of your premium payments.
If you want to contribute more when your income is high—or scale back during leaner times—you can.
3. Choice in Growth Options
Customize how your policy’s cash value grows by choosing:
Fixed interest for predictable stability
Index-linked interest for market-based upside (without downside risk)
Or a blend of both, depending on your comfort level
4. Access When You Need It
Your policy isn’t just for the future. With loans or withdrawals, you can use your accumulated value to:
Supplement retirement income
Cover education costs
Handle unexpected expenses
5. Add-On Features
Make your policy even more personal with optional riders, such as:
Accelerated death benefit for chronic or terminal illness
Coverage for additional family members
Safeguards to keep your policy from lapsing during tough times
How Customization Works in Real Life
Starting a Family: Increase your death benefit for added protection.
Empty Nesters: Lower your coverage and redirect premiums to build more cash value.
Pre-Retirement: Shift allocations to lock in gains and reduce risk.
In Retirement: Use your policy as a supplemental source of income while maintaining protection for heirs.
The Bottom Line
A customized life insurance policy puts you in control. Instead of locking into a rigid structure, you get protection that evolves with your lifestyle, career, and retirement goals.
Schedule a Free Consultation to design a policy that’s as unique as your life journey.
Start Building
Your Future Today
Your financial plan deserves more than basic protection. An IUL can help you protect your family while creating opportunities for tomorrow.
Schedule a Free Consultation to see how Indexed Universal Life Insurance can fit into your plan.
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Suite #715 PMB 514
Miami, FL 33131
info@tdlegacy.org
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Monday – Friday
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DISCLAIMER
Life insurance policies are subject to underwriting and may include fees and restrictions. Loans or withdrawals can reduce cash value and death benefits, may cause the policy to lapse, and could have tax consequences. Consult a licensed professional and tax advisor before making financial decisions.