Lifelong protection
with market-linked growth
Compare top-rated IUL plans in one place.
Lifelong
protection
Permanent coverage that never expires.
Market-linked
cash growth
Cash value tied to index performance.
Flexible
premiums
Adjust your payments as your life changes.
What Is Indexed Universal Life Insurance?
IUL insurance is a type of permanent life insurance that combines a death benefit with a cash value component linked to the performance of a market index, like the S&P 500. Unlike traditional whole life, where cash value grows at a fixed rate, IUL gives your money the potential to grow faster when the market does well. And if the market drops, a built-in floor protects your cash value from losses. You also get flexible premiums, meaning you can adjust how much you pay based on your financial situation. It's designed for people who want lifelong coverage with more growth potential and more control.
How Indexed Universal Life Insurance Protects You
An IUL policy works for you in several ways. It protects, it grows, and it adapts.
Coverage for life
Permanent protection that never expires.
Market-linked growth
Cash value tied to index performance with upside potential.
Downside protection
A built-in floor means your cash value never drops from market losses.
Flexible premiums
Adjust your payments up or down as your life changes.
Tax advantages
Cash value grows tax deferred and death benefit is tax free.
Living benefits
Borrow from your cash value for retirement, emergencies, or opportunities.
Two Ways to Use IUL
IUL policies can be designed around two different priorities. Here's how they compare.
Accumulation IUL
Maximize cash value growth
- Higher caps on index returns
- More premium goes to cash value
- Great for retirement supplement
- Tax-deferred growth you can access
Protection IUL
Maximize the death benefit
- Larger payout for beneficiaries
- Lower premiums for more coverage
- Ideal for legacy and estate planning
- Cash value still grows over time
Not sure which one fits? Many people combine both strategies. We can help you find the right balance.
"Why I Chose Indexed Universal Life Insurance"
"I wanted my life insurance to do more than just pay out when I'm gone. With IUL, my cash value has real growth potential tied to the market, but I don't lose money when it dips. That combination made the decision easy."
"I max out my 401(k) every year, but I wanted another way to grow money tax deferred. My IUL policy gives me that, plus life insurance. The flexible premiums help too, since my income changes year to year."
"At my age, I needed something that still offered real growth without the risk of the stock market wiping it out. The floor protection in my IUL lets me sleep at night, and the death benefit means my kids are taken care of no matter what."
The smart way
to get covered.
At Ozzo, we search the market and bring you the best plans out there.
High
coverage
Payouts as high as $10M.
Index-linked
growth
Cash value tied to market performance with downside protection.
Trusted
carriers
Insurers rated A or higher.
Proven
track record
Companies with 100+ years of history.
Every plan we offer meets these standards and more.
Ready to shop for coverage like a pro?
Compare the best IUL plans on the market, side by side, in minutes.
Everything You Need to Know About IUL Insurance
Find answers to your questions about IUL coverage.
Here's how they compare:
| IUL | Whole Life | Term Life | |
|---|---|---|---|
| Duration | Lifetime | Lifetime | 10, 20, or 30 years |
| Cash value growth | Tied to market index | Fixed rate | None |
| Downside protection | Yes, floor of 0% | Guaranteed rate | N/A |
| Premiums | Flexible | Fixed | Fixed, increases at renewal |
| Living benefits | Yes | Yes | Yes, with some plans |
| Best for | Growth potential, flexibility, tax strategy | Stability, guaranteed growth | Temporary needs, lower cost |
Read More: Term vs. Whole Life vs. IUL: A Side-by-Side Guide
Your cash value is linked to the performance of a market index like the S&P 500. When the index goes up, your cash value earns interest based on that growth, up to a cap set by the insurer.
When the index goes down, your cash value is protected by a floor, typically 0%. That means you don't lose money when the market drops. You're not investing directly in the market; you're earning interest credits based on its performance.
Read More: Indexed Universal Life Insurance: A Complete Guide to How IUL Works
The cap is the maximum interest rate your cash value can earn in a given period, even if the index grows more. The floor is the minimum, usually 0%, which protects you from losing cash value when the market declines. These are set by the insurance carrier and can vary by plan.
Yes. One of the key advantages of IUL is premium flexibility. You can increase payments to build cash value faster, or reduce them during tighter financial periods, as long as your policy stays funded. This makes IUL a good fit for people with variable income.
It depends on your goals. Your income, debts, number of dependents, and long-term financial plans all factor in. Try our coverage calculator to find the right amount.
Yes. You can take loans or withdrawals from your cash value for retirement income, emergencies, education costs, or any other need. Policy loans are typically tax free as long as the policy stays active.
IUL policies are generally designed with one of two priorities: accumulation or protection.
An accumulation IUL is built to maximize cash value growth. More of your premium goes toward the cash value component, and these policies tend to offer higher caps and more aggressive index options. They're a good fit if your main goal is building a tax-advantaged fund you can tap into later for retirement, education, or opportunities.
A protection IUL is designed to prioritize the death benefit. The focus is on delivering the largest possible payout to your beneficiaries at a lower cost. Cash value still grows, but the policy is structured to keep premiums more affordable while locking in strong coverage.
Some people choose one or the other. Others use both in a combined strategy. The right choice depends on whether your priority is growing wealth during your lifetime or maximizing what you leave behind.
Cover them and grow your wealth
Compare the best IUL plans and get covered in minutes.
CHECK MY QUOTES