Do You Offer Anything for Retirement Planning?

The short answer: Yes — indexed universal life, or IUL. It's permanent life insurance with a cash value component that can grow based on market index performance, with a floor that protects it when markets fall. It gives your family a death benefit now, and the cash value may supplement your retirement income later.

How IUL works, in plain English

• It's permanent insurance: a death benefit that can last your whole life, as long as the policy stays funded
• Cash value with indexed growth: part of your premium builds cash value that can grow based on a market index — you don't own the stocks; the carrier credits interest based on index performance
• Downside protection: a floor shields your cash value from market losses — when the index drops, you don't lose ground (though you may earn little or nothing that year)
• Upside has limits: growth is typically capped, so you won't capture the market's full gains either — it's a trade: less upside, no downside

The retirement angle

Here's where it fits a retirement picture: over the years, the cash value may build to the point where you can borrow against it or withdraw from it to supplement your income in retirement. The death benefit protects your family the whole time the policy is in force. But be clear-eyed about it — loans and withdrawals reduce both the cash value and the death benefit, and if the policy isn't managed, it can lapse. This is a decades-long instrument, not a quick play.

What IUL isn't

It isn't an investment account, and it isn't a replacement for your 401(k) or IRA. The illustrations a carrier shows you are projections, not promises — actual crediting depends on the carrier's methods and index performance. And every carrier's IUL works a little differently: caps, floors, fees, and loan provisions all vary. That's exactly the kind of thing to walk through with someone who can compare them side by side.

This page is for general information only and isn't financial, tax, or legal advice. Policy features, costs, and performance vary by carrier and product — talk to a licensed professional (and a tax advisor) about your situation.

Thinking beyond just protection?

Book a free consultation — no pressure. We'll talk through whether IUL fits your retirement picture, or whether something simpler does the job.