5 Benefits IULs Provide that Your Old Policy Does Not

IUL policies are gaining in popularity due to Agents and consumers recognizing the value of the guarantees offered combined with the flexibility and tax advantages of life insurance products.

1. Payment of Premium Options

2. Policy Interest Earned

3. Permanent Coverage

4. Security of Investments

5. ​Tax-Free Future Retirement Income

An Indexed Universal Life (IUL) policy is a type of permanent life insurance policy that offers both death benefit protection and tax-deferred savings. IULs are unique in that the premiums for the savings component of the policy can be waived for a period of time, typically 10 years. This allows you to build up cash value in the policy without having to make premium payments.
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IUL policies are becoming increasingly popular with consumers because they offer a number of features and benefits that are not available with other types of life insurance policies, including:
-The ability to pay premiums over a period of time or all at once
-Flexibility to change your coverage as your needs change
-The potential for tax-deferred growth
-The potential for tax-free withdrawals
-The potential for a tax deduction on the premium payments
-Invest in stocks, bonds and other investments without the risk of losing money to market crashes
-Guaranteed death benefit 

What is an Indexed Universal Life Policy
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An indexed universal life policy is a type of life insurance that offers a combination of features that are unique to this type of policy. It is a permanent life insurance policy, which means that it covers you for your entire life, as opposed to term life insurance which only covers you for a certain number of years. IUL policies offer guaranteed death benefits, guaranteed cash values and guaranteed premiums. They also offer a number of different investment options, which give you the flexibility to choose the option that best suits your needs.

You can think of IUL policies as if Whole Life and Term Life had a baby. You get a lot of coverage for a great price (similar to term), however, the policy lasts your entire life and builds cash value (similar to whole life). These policies are often utilized for "infinite banking" purposes as any cash that you take from the policy does not get reported to the IRS. Tax-free withdrawals are what make this policy a favorite for the wealthy.

The benefits of having an IUL policyThere are a number of benefits to having an IUL policy. Some of the most important benefits include:

• Guaranteed death benefits- your policy will pay out a death benefit regardless of the performance of the underlying investments

• Guaranteed cash values- your policy will always have a cash value, which will grow over time as the investments in the policy perform well

• Guaranteed premiums- your premiums will never increase, no matter how long you keep the policy

• Many investment options- you can choose from a number of different investment options, which gives you the flexibility to choose the option that best suits your needs

• Ability to rollover funds to a retirement account such as an IRA

Why you need an IUL policy in your portfolioOne of the biggest benefits of diversifying your retirement portfolio with an IUL policy is that it can help reduce your overall risk. By adding a policy that offers protection and growth potential, you can help ensure that your portfolio is less volatile and therefore less likely to experience large losses in value during difficult economic times.

Additionally, an IUL policy can help you reach your retirement goals quicker and easier. Because IUL policies offer tax-deferred growth, you can save money on your taxes each year, which can help you accumulate more wealth over time. Finally, an IUL policy can provide peace of mind in retirement, knowing that you have coverage for a wide range of events that could occur. IULs are typically a more affordable option than other types of retirement savings plans, such as 401(k)s.

How to pull money tax free from an IUL policy

One of the great things about an IUL policy is that the loans are repaid with the cash value of the policy. This means that you don't have to worry about making any payments on any loans. The loan will be repaid automatically as the policy grows in value. This can be a great way to save money on interest payments and to build your savings. This is how you can eventually become your own bank without needing a credit check, collateral, or any other traditional requirements that you'll be asked for at a banking location.


There is no way to predict when the right time to use IUL policies. However, you can be sure that it will come at some point in your life. These are great tools for emergencies and they will help you to save money. You should consider using an IUL policy for all of your insurance needs, including life, home and auto insurance.

The interest earned from an IUL is greater than the interest charged for any loans taken. This means that you can really benefit from using an IUL policy. Not only will you be able to protect yourself and your loved ones, but you will also be able to save money on interest payments. These policies also have riders so that you can pull whatever funds you need in the event of a chronic (heart disease, diabetes, stroke, arthritis, etc.), critical (organ transplant, stroke, cancer, etc.) or terminal illness (given 12 months or less to live).

IULs are so beneficial because they provide a unique and innovative way for people to save for their future. Unlike other investment vehicles, IULs offer the potential to earn interest on your premiums while you’re still alive, which can help you protect your savings and build your wealth at the same time. Additionally, IULs offer tax-free death benefits that can be used to pay off debts or leave a legacy for loved ones.

​If you’re looking for a safe and secure way to invest your money, an IUL may be right for you.