When it comes to protecting your loved ones and building wealth, Indexed Universal Life (IUL) insurance offers a unique solution. Unlike traditional life insurance that only provides a death benefit, IUL combines lifelong protection with the opportunity for tax-advantaged growth. This means that in addition to securing your family’s future, you can also grow your money over time — and access it when needed.
At P2W Impact, we guide our clients through how IUL policies work, how the cash value grows based on the performance of a market index (like the S&P 500), and how you can access that money without paying taxes under certain conditions. It’s not an investment in the stock market, so your principal is protected from losses, but you still have the chance to benefit from positive market performance. This makes it an appealing option for people who want growth with less risk.
The flexibility of IUL is another major advantage. You can adjust your premiums and death benefits as your needs change, and you have the ability to take loans or withdrawals from the cash value if unexpected expenses come up or you need supplemental income in retirement. It’s not just about life insurance — it’s a financial tool that can help you protect your family and grow your wealth at the same time.
For many of our clients, IUL becomes an important part of their long-term financial plan. Whether you’re concerned about future taxes, want to protect your family, or are looking for a way to build wealth safely, this option may be the right fit for you. We’re here to walk you through every step and help you make the best decision for your future.