CHATTANOOGA'S #1 IUL PROVIDER

An Indexed Universal Life (IUL) insurance policy is a type of permanent life insurance. It offers a death benefit along with a cash value component that earns interest based on a chosen stock market index, providing potential for growth while protecting against market losses.

Index credits are calculated using a formula based on the performance of a chosen market index, such as the S&P 500. This calculation is subject to specific caps (the maximum interest you can earn) and participation rates set by the carrier.

IUL policies feature a guaranteed 'floor' (typically 0%). This means if the market index experiences a downturn, your cash value is protected from those market losses. You will not earn interest that year, but you will not lose your accumulated cash value either.

Yes, you can borrow against the cash value of your IUL policy tax-free under current tax laws. Keep in mind that outstanding loans will accrue interest and can reduce the death benefit paid to your beneficiaries if not repaid.

Premiums are flexible within certain limits. A portion of your premium goes toward the cost of insurance and policy fees, while the remainder builds your cash value. You can adjust your premium payments based on your financial situation as long as the policy is sufficiently funded.

An IUL can be a powerful tool for those seeking lifelong coverage, market-linked growth potential without downside risk, and tax-advantaged access to cash value. It is best suited for individuals looking for a balance between growth and protection, but we recommend a consultation to evaluate your specific needs.

Under current IRS codes, the cash value growth inside an IUL policy is generally tax-deferred. When structured properly, you can access these funds via policy loans tax-free, making it an efficient vehicle for supplemental retirement income.