Wealth Strategy

When it comes to building wealth and protecting your future, Indexed Universal Life (IUL) is one of the most flexible strategies available. It links to market performance for growth—but never puts your money at risk—thanks to a built-in zero floor that prevents losses when the market drops. That means you can grow your money over time without worrying about going backward. IULs are designed to be consistently funded, like a high-performance savings strategy. Unlike traditional retirement accounts, there are no income limits, contribution caps, or early withdrawal penalties—giving you tax-advantaged access to your money when you need it. Over time, your policy builds cash value that can be used for emergencies, opportunities, or retirement. And with the right design, some families and entrepreneurs use their IUL as a private banking system—borrowing against their policy while keeping their money growing inside. It’s a way to take control of your finances, redirect interest back to yourself, and create a stream of tax-free income that can last a lifetime.