Protect their tomorrow. Plan for yours.
Explore indexed universal life insurance options for your family and your future. Start with your ZIP code.
Coverage and licensed-agent availability vary by state.
Location found
We use your state to check which plans are available to you.
- Built around your family and future
- Connect with a licensed agent
- No obligation to purchase
Indexed universal life is life insurance with potential cash value. Benefits, costs and eligibility depend on the policy and carrier.
Your next chapter starts with a plan.
Indexed universal life
Life insurance with potential cash value
Life insurance that looks ahead.
Indexed universal life combines lifelong protection with the potential to build cash value. Here’s what to look at before you choose.
Protection for the people you love
A death benefit is paid to the beneficiary you name, to help your family with what comes next.
Potential cash value
Part of each premium can build cash value, with interest credited based on a market index. Caps, floors and fees apply.
Room to adjust
Many policies let you adjust premiums or the death benefit within the policy’s limits as life changes.
Plan for yours
Benefits, costs and eligibility depend on the policy and carrier.
What is indexed universal life?
Indexed universal life is life insurance with potential cash value. Benefits, costs and eligibility depend on the policy and carrier.
Who would you want to help protect?
Start with the person you’re planning for. A licensed agent can help you think through the rest.
Three short steps.
No forms to print and nothing to buy today.
Enter your ZIP
Coverage and licensed-agent availability vary by state.
Answer a few short questions
A coverage range, your marital status, who you’d want to protect and your date of birth. Most are one tap.
Hear from a licensed agent
A licensed agent can follow up with options and details. No obligation to purchase.
Questions are part of the plan.
IUL has more moving parts than term life. Your agent explains them in plain language, so you can compare before you commit.
Protect their tomorrow. Plan for yours.
Explore indexed universal life insurance options for your family and your future. Start with your ZIP code.
Common questions
What is indexed universal life insurance?
It’s permanent life insurance with a death benefit and a cash value account. Interest on the cash value is credited based on a market index, within limits set by the policy.
How is cash value credited?
Based on how an index performs, subject to a cap and a floor. You aren’t investing directly in the market, and policy charges reduce cash value. Your agent can show examples.
Do I need a medical exam?
Not to start exploring. Any exam or health requirements depend on the carrier and the policy, and your agent explains them before you apply.
What does it cost?
It depends on your age, health, state, coverage amount and how you fund the policy. Your agent walks through premiums and fees before you decide anything.
Does this enroll me in insurance?
No. You’re asking a licensed agent to follow up with options. This isn’t an application and doesn’t buy or designate anything.
Explore options in your area
Coverage and licensed-agent availability vary by state.
Location found
We use your state to check which plans are available to you.
22 launch states
- Arizona
- California
- Florida
- Georgia
- Illinois
- Maryland
- New Jersey
- North Carolina
- Texas
- Alabama
- Indiana
- Louisiana
- Massachusetts
- Michigan
- Mississippi
- Missouri
- Ohio
- Pennsylvania
- South Carolina
- Tennessee
- Virginia
- Washington
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