Your family gets a tax-free death benefit. You get cash value to draw on later, without betting your savings on the market.
Illustrative sample only. Actual crediting, cash value, income and death benefit are set by the issuing carrier and vary by product, health, age and state.
Indexed universal life (IUL) is permanent life insurance with a cash value that grows based on a market index, protected by a floor so a down year credits zero instead of a loss. You get a tax-free death benefit, tax-deferred growth, and the option to draw tax-free retirement income later through policy loans.
Term life covers a season. An IUL is designed to protect your family now and quietly build a tax-advantaged asset for later.
Cash value is credited based on an index like the S&P 500, up to a cap, so you share in strong years without owning the stocks.
When the index falls, your credited rate is zero, not negative. A bad market year does not shrink the cash value you already built.
In retirement you can access cash value through policy loans that, when the policy is structured and kept in force, come to you income-tax-free.
Many policies let you access part of the death benefit early if you face a qualifying chronic, critical or terminal illness.
Within limits you can raise, lower or pause funding as life changes, unlike a rigid fixed-payment plan.
The death benefit passes to your heirs income-tax-free and outside of probate, so your family gets the full amount without delay.
The same policy can lead with income, protection or legacy. A specialist designs it around the goal that matters most to you.
Fund it steadily for years, then draw tax-free income through policy loans to complement Social Security and your 401(k).
Lead with protection. Access part of the death benefit early for a qualifying chronic or critical illness, when you need it.
Turn savings into a larger, income-tax-free gift for your heirs that passes outside of probate and skips the market risk.
No obligation, and no jargon. Just a clear illustration built around your goals.
We review your budget, timeline and whether you want the policy to lead with income, protection or legacy.
A specialist structures the funding and compares A-rated carriers, then shows the real projected numbers side by side.
Choose the design that fits, put it in force, and watch protection and tax-advantaged cash value build together.
Sample testimonials shown for template design purposes.
"I wanted protection for my kids and a place to grow money that a bad year could not wipe out. This did both without the guesswork."
"They showed me the fees and the loan mechanics up front. No hype. I understood exactly how the tax-free income would work before I signed."
"We maxed out our other accounts and needed another tax-advantaged bucket. The living benefits sealed it for our family."
IUL is permanent life insurance that pairs a death benefit with a cash value account. The cash value is credited based on the movement of a market index, up to a cap, and is protected by a floor so a down year credits zero instead of a loss. It grows tax-deferred and can later provide tax-free income through policy loans.
Your credited interest tracks an index such as the S&P 500, subject to a cap or participation rate set by the carrier. If the index rises, you earn up to the cap. If it falls, the floor protects you and you earn zero rather than losing money. You are not directly invested in the market.
Income taken as policy loans against cash value is generally income-tax-free, as long as the policy is structured properly and stays in force. If a policy lapses or is surrendered with a gain, taxes can apply. A specialist designs the funding and loan strategy to keep it working as intended.
The floor is the point of an IUL. In a year the index is negative, your credited rate is zero, so a market crash does not reduce the cash value you have already accumulated. You give up some upside through the cap in exchange for that downside protection.
An IUL carries the cost of insurance, policy charges and, in the early years, surrender charges if you cancel. Because those costs are real, an IUL should be funded consistently and held long term. We walk through every charge before you decide so there are no surprises.
Get a personalized, no-obligation IUL illustration from a licensed specialist. It starts with a simple conversation.
In a real launch, a licensed Beacon specialist would email your personalized, no-obligation IUL illustration within one business day. This preview does not store or send any information.