Lifelong protection
with market-linked growth
Compare top-rated IUL plans in one place.
CHECK MY QUOTES
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 Whole Life Insurance
Find answers to your questions about whole life coverage.
Here's how they compare:
| Whole Life | Term Life | |
|---|---|---|
| Duration | Lasts your entire life | 10, 20, or 30 years |
| Premiums | Locked in, never change | Can increase at renewal |
| Cash value | Builds over time | None |
| Renewal | Never needed | Required when term ends |
| Living benefits | Access funds while alive | Not available |
| Best for | Lifelong coverage, legacy, cash growth | Temporary needs, lower initial cost |
One of the features that sets whole life insurance apart is its cash value. This is a built-in savings component that grows over time, separate from the death benefit.
Each time you make a payment, a portion goes toward the cost of the insurance, and a portion goes into the cash value. Over the years, this amount builds steadily at a guaranteed rate set by the insurer.
You can use your cash value while you're still living. Many borrow from it to cover unexpected expenses, supplement retirement income, or take advantage of opportunities; others simply let it grow.
No. One of the biggest advantages of whole life insurance is that your premium is locked in at the time of purchase and never changes.
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. If you decide to cancel, you can receive the cash value that has built up to that point. Keep in mind that canceling means giving up your life insurance coverage.
You can take a loan against your policy's cash value or make partial withdrawals. This gives you financial flexibility without canceling your coverage.
Cover them with a plan that lasts
Compare the best whole life plans and get covered in minutes.
CHECK MY QUOTES