One policy. A lifetime of tax-free growth, income, and protection.
An IUL is one of the most powerful financial vehicles available to everyday families. Cash value grows tax-deferred under IRC §7702, income comes out tax-free, and a built-in LTC rider protects you if you ever need care.
Market-linked growth
Cash value follows an index like the S&P 500 — you participate in the upside.
0% floor protection
When the market drops, your cash value doesn't lose value. Worst-case is break-even.
Tax-free income
Take retirement income through policy loans — not counted as taxable income by the IRS.
Long-Term Care rider
Access your death benefit while alive if you need home health care, assisted living, or memory care.
In plain English.
- You pay premiums into the policy, and a portion goes into a cash value account.
- That cash value is tied to a stock market index — so it grows when the market goes up.
- If the market goes down, your money doesn't lose value — most IUL policies have a 0% floor.
- Over time the cash value compounds — you earn interest on your interest, year after year.
"Imagine planting a tree that only grows taller — it never shrinks, even during a storm. That's how an IUL treats your money."
Start at birth, change a life.
When an IUL is opened on a newborn, several advantages lock in immediately: the lowest possible insurance costs, decades of tax-deferred compounding, guaranteed insurability for life, and the tax advantages of IRC §7702.
A parent or grandparent contributing as little as $100–$300/month into an IUL for a newborn could realistically build a six- or seven-figure tax-free retirement fund by the time that child is in their 60s. No 401(k), no IRA, no brokerage offers the same combination of tax-free growth, tax-free income, and built-in protection.
| Feature | IUL from Birth | 401(k) / IRA | Traditional LTC |
|---|---|---|---|
| Tax-free growth | ✓ Yes | Tax-deferred only | — |
| Tax-free retirement income | ✓ Via loans | Taxed as income | — |
| Required minimum distributions | ✓ None | Required at 73 | — |
| Contribution limits | ✓ None | Annual limits | — |
| LTC coverage | ✓ Built-in rider | — | ✓ Yes |
| Death benefit for heirs | ✓ Tax-free | Taxed | — |
| Market loss protection | ✓ 0% floor | Full exposure | — |
| Cash value if LTC unused | ✓ Remains intact | — | Lost |
Long-Term Care, built right in.
A Long-Term Care Rider lets you access part of your death benefit while you're alive if you're unable to perform 2 of 6 Activities of Daily Living, or suffer cognitive impairment like dementia. It covers home health care, adult day care, assisted living, and nursing/memory care.
Never need care
Full death benefit pays out to your family, income-tax free.
Do need care
The rider covers your care costs — preserving your other savings.
Either way
Your cash value continues growing throughout, regardless of the path.
See what your IUL could do.
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