Discover the Tax-Free Wealth Benefits Of Index Universal Life

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What Benefits of IULs interest you the most? ( Check all that apply)

Tax- Free Income

Market Upside with No Downside Risk

Flexible Premiums

Loan and Withdrawal Options

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What is Index Universal Life (IUL)?

Indexed universal life insurance is a type of permanent coverage, which means it can last your entire life and build cash value. Unlike other types of universal life, an IUL policy places the cash value in sub-accounts that mirror a stock index, such as the S&P 500. As an alternative to indexed accounts, IUL policies also offer fixed account options that earn interest at a set rate.

Build Wealth and Protect Your Future with Index Universal Life (IUL)

Index Universal Life insurance provides lifetime coverage with the potential for cash value growth. With IUL, you can enjoy the security of life insurance while taking advantage of market growth.

Flexible Premiums: Adjust your payments to fit your financial goals.

Market-Linked Growth: Grow your cash value based on a market index, without direct stock exposure.
Tax-Deferred Growth: Let your money grow tax-free until you need it

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Contact Us

844-394-8330

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How Index Universal Life Insurance Works

IUL policies offer a blend of life insurance protection and wealth-building potential.

Your cash value grows without risking loss from market downturns, making it a secure yet growth-oriented choice.

Cash Value Access: Use funds for major expenses or emergencies.
No Loss Guarantee: Cash value is protected from negative market performance.
Lifetime Benefits: Coverage continues as long as premiums are paid.

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wealth strategy?

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TESTIMONIALS

Real Clients. Real Guidance. Confident Retirements.

See how individuals just like you are now protected, prepared, and confident — thanks to personalized retirement planning with Loretta Stewart.

Exceptional service and expertise!

"I never imagined how much peace of mind I'd gain from working with Loretta. She helped me map out exactly when I can retire, how much income I'll have, and what adjustments I needed to make. For the first time, I feel confident about my future."

- Barbara M., age 62

My husband and I have income for life!

"Loretta took the time to listen to my concerns about inflation, healthcare costs, and making sure my wife would be protected. She built a plan that makes sense for our lifestyle and goals. We’re excited to enjoy retirement without worrying about money."

- James & Deborah K., recently retired

Highly recommend!

"I was overwhelmed by all the decisions: Social Security, 401(k), Medicare… Loretta simplified everything. Now I know exactly when to retire and how to make my savings last. I never felt pressured — only empowered.

– Karen S., age 59

Frequently Asked Questions

We understand making decisions about life insurance can feel overwhelming. Here are answers to some common questions to help you make an informed choice.

Question 1: What is Indexed Universal Life Insurance (IUL)?

Indexed Universal Life Insurance (IUL) is a type of permanent life insurance that combines death benefit protection with the ability to accumulate cash value. The cash value grows based on the performance of a stock market index, like the S&P 500, but with a built-in safety net to prevent losses during market downturns.

Question 2: How does the cash value in an IUL grow?

The cash value in an IUL grows based on the performance of a selected market index. While it’s tied to the market, it has a cap (maximum growth) and a floor (minimum growth, often 0%), meaning your investment is protected from market losses.

Question 3: Can I access the cash value in my IUL policy?

Yes! One of the key benefits of an IUL is the ability to access the cash value through tax-advantaged loans or withdrawals. You can use this for various purposes, like retirement income, paying off debt, or funding major expenses.