The Secret Strategy Wealthy Families Use That You’ve Probably Never Heard Of.

🕒 4 min read

Indexed Universal Life Insurance (IUL) is one of the financial world’s best-kept secrets—and it’s no longer just for the wealthy elite.

An IUL combines life insurance protection with a powerful cash value accumulation strategy, giving you long-term growth potential, tax advantages, and lifetime flexibility. It’s especially appealing to Gen X and Millennials who are seeking to protect their families while also building a meaningful retirement strategy.

Here’s how it works:

• Part of your premium goes toward life insurance coverage

• The rest builds cash value, tied to a stock index (like the S&P 500)

• When the market goes up, your policy cash value grows (up to a cap)

• When the market goes down, your principal is protected by a 0% floor
  

The cash value can be accessed tax-free through policy loans for major life events like college, business opportunities, or retirement. And unlike a traditional 401(k), there are no income limits or early withdrawal penalties.

Bonus? The death benefit is generally income tax-free to your beneficiaries, making this a smart legacy strategy.

👉 Think IUL might be a fit for your financial plan?
📅 Schedule your free strategy session with ULife