Indexed Universal Life (IUL)
Protection and tax-advantaged growth in one policy.
An IUL is permanent life insurance that also builds cash value tied to a market index — so your money can grow when the market is up, without losing principal when it is down.
Most people think of life insurance as something their family collects after they are gone. An indexed universal life policy does that too — but while you are alive, it also builds cash value you can borrow against for big expenses, opportunities, or retirement income.
The growth is tied to a market index like the S&P 500, with a floor that protects you from market losses and a cap on the upside. In plain terms: you participate in good years and you do not go backward in bad ones. The cash value grows tax-deferred, and accessed correctly, it can come out tax-advantaged.
Maarnet walks you through exactly how an IUL would work for your income and goals — the numbers, the trade-offs, and whether it actually fits before you commit to anything.
Growth with a floor
Cash value tied to a market index, with downside protection so a bad market year does not erase your savings.
Tax-advantaged
Cash value grows tax-deferred and, accessed the right way, can be drawn tax-advantaged in retirement.
Lifelong coverage
Your family stays protected for life, not just a fixed term — the death benefit and the savings work together.
Living benefits
Many policies let you access part of the death benefit early if you are diagnosed with a serious illness.
Built around your numbers
We model contributions, growth, and access so you see how it fits before you decide.
See if an IUL fits your plan.
We will walk through the real numbers together — no pressure. The consultation is free, by appointment.