Indexed Universal Life Insurance

Build Wealth While Protecting Your Family’s Future

Call us for an indexed universal life insurance quote today and start investing in your family's future.

Get Permanent Coverage and Tax-free Gains with Indexed Universal Life

Invest Your Policy’s Cash Value in Trusted Index Funds

If you’re looking for a permanent life insurance policy with a higher rate of return on cash value investment than traditional whole life insurance, indexed universal life insurance might be the right plan for you and your family. Indexed universal life insurance provides the same lifelong protection and death benefits as other permanent life insurance policies with the added benefit of building long-term wealth in a tax-sheltered savings account that invests in reliable index funds.

Indexed universal life insurance might be right for you if:

You are a young family looking for permanent coverage and want to invest early
You prefer flexible premiums and death benefits
You would like tax-free access to cash
You want a minimum guaranteed return on your investment
You’re looking for a tax-sheltered account outside your retirement accounts

How does an indexed universal life insurance policy work?

Just like with whole life insurance policies, a portion of each premium payment goes into your policy’s cash value. Instead of earning a low fixed interest on these funds, your cash value is invested in trusted index funds, such as those in the S&P 500 stock market. While indexed universal life policies allow for a greater upside potential of return and a minimum guaranteed return that’s higher than whole life policies, most insurers also implement an investment return cap – meaning any investment earnings over that cap go to the insurer, not you.

Perks of Indexed Universal Life Insurance

Minimum Guaranteed Returns

A set investment return floor eliminates the risk of significant portfolio losses.

Tax-free Loans and Access to Cash

Borrow against your policy’s growing cash value to pay for everyday life expenses.

Flexible Premiums and Death Benefits

Life is dynamic. Adjust your premiums and death benefits to fit your life.

It’s time to stop looking and get started. Let’s do this!

Give us 30 minutes and we’ll find you insurance that fits your life. It’s that simple.

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Gain peace of mind while making gains on your investment.

See how the life insurance advisors at Principled Life have helped our customers invest in their families’ futures.

Steven, age 35

Married with Two Kids • Good Health

Steven and his husband Eric just adopted their second child and want to start building a secure financial future for their growing family by investing in life insurance with reliable cash value.

Cost: $241/mo
Coverage: $500k
Term: Permanent

Cassandra, age 56

New Grandmother • Good Health

Cassandra’s husband Ron has a small group-term life plan through work but she knows they need more coverage, particularly after the birth of their first grandson – and they have another one on the way!

Cost: $356/mo
Coverage: $750k
Term: Permanent

Marissa, age 41

Single Parent • Busy Professional

Becca has two teenagers and a demanding job that keep her busy. As a single parent, she wants to ensure her kids’ financial futures if anything were ever to happen to her. Her plan’s cash value is a bonus.

Cost: $130/mo
Coverage: $250k
Term: Permanent

Indexed Universal Life Insurance FAQs

When can I withdraw funds or borrow against my indexed universal life policy’s cash value?

Why do life insurance companies set a cap on indexed universal life index gains?

This is how insurers balance their risk. By setting a floor for your policy’s investment returns, your insurer is guaranteeing a minimum ROI no matter what the stock market does. If the index funds your cash value is invested in crashes below this floor, it’s up to your insurer to make up the difference. To help reduce this risk, they set a cap on gains and keep any earnings over that cap.

Can I use my policy’s cash value to pay for my premiums?

Start Planing for the Future, Today

Rest easy tonight knowing your family is taken care of no matter what. All it takes is a quick call.