Indexed Universal Life (IUL) in Florida and nine more states
Permanent Life Insurance with cash value growth linked to a market index, plus flexible premiums.
SPM Insurance Group helps clients understand and compare Indexed Universal Life (IUL) insurance: permanent life coverage whose cash value growth is tied to a market index. Based in Lantana, FL. Call (561) 577-3456 to talk it through.
Indexed Universal Life, or IUL, is a type of permanent Life Insurance. Along with a death benefit for your family, it builds cash value, and the interest credited to that cash value is linked to the performance of a market index such as the S&P 500. Most IUL policies include a floor that limits losses and a cap or participation rate that limits gains.
IUL policies also offer flexible premiums and death benefits, which makes them more involved than Term Life or Whole Life. We explain how caps, floors, fees and policy loans work in plain English, so you can decide whether an IUL makes sense for your goals.
Where we offer indexed universal life (iul)
- Indexed Universal Life (IUL) in Lantana, FL
- Indexed Universal Life (IUL) in Lake Worth Beach, FL
- Indexed Universal Life (IUL) in Boynton Beach, FL
- Indexed Universal Life (IUL) in West Palm Beach, FL
- Indexed Universal Life (IUL) in Delray Beach, FL
- Indexed Universal Life (IUL) in Boca Raton, FL
- Indexed Universal Life (IUL) in Florida
- Indexed Universal Life (IUL) in Georgia
- Indexed Universal Life (IUL) in Michigan
- Indexed Universal Life (IUL) in North Carolina
- Indexed Universal Life (IUL) in Ohio
- Indexed Universal Life (IUL) in South Carolina
- Indexed Universal Life (IUL) in Pennsylvania
- Indexed Universal Life (IUL) in Texas
- Indexed Universal Life (IUL) in Tennessee
- Indexed Universal Life (IUL) in Arizona
Straight answers
What is an IUL?
Indexed Universal Life is permanent Life Insurance with cash value growth tied to a market index, usually with a floor that limits losses and a cap that limits gains.
Is my money invested directly in the stock market?
No. The cash value is credited interest based on how the index performs; it is not invested directly in the market.
Is an IUL right for me?
It depends on your goals, budget and timeline. Call (561) 577-3456 and we will walk through the pros and cons with you.