- Wylie, Texas, 75098
- partner@thearl.us
- customer@thearl.us
- 469 769 6056
Indexed Universal Life Insurance
At ARL (Asset, Retirement, and Legacy), our Indexed Universal Life Insurance (IUL) combines life insurance protection with the potential for cash value growth. This adaptable policy not only secures your family’s financial future but also helps build wealth over time. An IUL offers a death benefit to your beneficiaries, providing them with reassurance in the event of your passing. Unlike traditional life insurance, an IUL policy builds cash value linked to the performance of a market index, like the S&P 500. This cash value can grow over time, serving as a valuable resource for retirement, education, or emergencies, all while being protected from market downturns thanks to the policy’s built-in safeguards.
“Protect your legacy and grow your wealth with Indexed Universal Life Insurance, a solution that provides both security and the potential for financial growth.”
With an Indexed Universal Life (IUL) policy, you have the flexibility to modify your premiums and death benefit according to your financial situation. This type of policy offers tax-deferred growth, allowing the cash value to increase without being taxed until you decide to withdraw it. If you’re looking for long-term security or a policy that merges protection with the potential for financial growth, ARL’s Indexed Universal Life Insurance is a versatile choice. We’re here to assist you in safeguarding your legacy while improving your financial future. Contact us today to learn more about IUL and how it can work for you.
What is Indexed Universal Life Insurance (IUL)?
IUL, or Indexed Universal Life insurance, is a type of life insurance that provides a death benefit while also offering the opportunity for cash value growth tied to the performance of a market index, such as the S&P 500.
How does the cash value grow in an IUL policy?
The cash value grows through interest that is credited based on the performance of a chosen market index. This allows your money to benefit from market gains while being protected from losses during downturns, thanks to a safety net.
Can I access the cash value in my IUL policy?
You can access the cash value by taking out loans against your policy or making withdrawals. This can be useful for various needs, such as retirement income, emergencies, or large expenses.
What is the benefit of tax-deferred growth?
Tax-deferred growth means that the cash value in your policy can increase without being taxed until you choose to take out the money. This allows your funds to grow at a faster rate over time.
Can I adjust my premiums and death benefit?
IUL policies offer a degree of flexibility. You can adjust your premiums and death benefit as your financial circumstances change, giving you control over your policy.