Serving all of New Jersey
Indexed Universal Life (IUL) in New Jersey
An IUL credits interest based on a market index like the S&P 500 with a 0% floor, so your cash value never loses value from market downturns. Properly structured, it can provide tax-free retirement income through policy loans.
What's included
- 0% floor protects against market losses
- Upside participation subject to caps
- Tax-free policy loans in retirement
- Flexible premiums and death benefit
- Living benefits riders
Who it's for
- High-income earners
- Business owners
- Parents saving for the long term
Indexed Universal Life (IUL) FAQs
Is an IUL a good investment?
An IUL is life insurance first. When designed correctly and funded consistently, it can be a powerful tax-advantaged supplement to retirement savings.
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