Indexed Universal Life
Explore a collection of IUL articles designed to help you better understand how Indexed Universal Life works, what impacts policy performance, and how proper structure can support long-term financial goals.
Protection first, built for the long term
An Indexed Universal Life policy is permanent life insurance that can also build cash value over time. How it is structured from the beginning often matters more than the illustration.
Often a good fit when
- You want lifelong protection for your family
- You can fund a policy consistently for 10 years or more
- You want cash value growth potential with a 0% floor on credited interest
Questions we help you answer
- How should the death benefit and premium be balanced?
- Is my existing IUL structured and funded correctly?
- How do policy loans and withdrawals work over time?
Not the right fit when
- You only need coverage for a set number of years (term may cost less)
- You cannot commit to funding the policy over time
- You are looking for market returns or a short-term result
How indexed crediting works
Fixed indexed annuities and Indexed Universal Life both credit interest based partly on a market index. In years the index falls, the contract is credited 0% rather than a loss. In years it rises, credited interest is limited by a cap or participation rate set by the insurer. Understanding these limits up front is part of every review we do.
Watch: how we structure an IUL
Brandon walks through how Lenhoff Financial works with clients and how the structure of an Indexed Universal Life policy affects its long-term performance.
Indexed Universal Life is life insurance, not an investment. Policy loans and withdrawals can be income-tax-free when the policy is structured and managed properly; this is not tax advice. Guarantees are backed by the claims-paying ability of the issuing insurer.
Understanding IUL, cash value growth, and long-term planning.
What Fees Are Inside an IUL?
IUL fees include premium loads, cost of insurance, admin, rider and surrender charges. See how each works, how it changes over time, and what to ask.
How Much Does an IUL Cost Per Month?
IUL premiums can run from under $100 to well over $1,000 a month. See what drives the cost and why the cheapest premium is often the wrong structure.
Common Mistakes to Avoid with Indexed Universal Life
Learn about the long-term problems that may develop when a policy is not designed appropriately.
What Makes an IUL Perform Well?
Learn why proper structure can make a significant difference in long-term Indexed Universal Life performance.
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Helping You Make Informed Decisions
We believe clients should fully understand their options before making an important financial decision. Explore videos covering retirement planning, policy design, tax-advantaged strategies, family protection, and the concepts behind properly structured life insurance solutions.