The life insurance Industry finally figured it out with Indexed Universal Life (IUL). Indexed Universal Life Policies are a permanent product, vastly superior to whole life, universal life and variable universal life. IUL policies give you the upside of an index like the S&P 500 but you are guaranteed to never have a negative return. In fact, many people, who don’t want or need any more death benefit protection from life insurance, still buy IUL.

• Historically, returns are not of 7%
• Money grows completely tact free
• Access to tac-free income at any time
• Totally liquid