Indexed Universal Life (IUL) Insurance Policy | Amplify

INDEX UNIVERSAL LIFE INSURANCE

Permanent protection. Growth without market losses.*

Indexed Universal Life (IUL) is permanent life insurance with flexible premiums and cash value growth tied to a market index — without direct market risk. You get downside protection with capped upside potential.

Key Benefits

Protected

IUL policies include a 0% floor, meaning market downturns don’t reduce credited interest. Your cash value can grow without direct exposure to market losses.

Flexible

Adjust premiums and coverage over time as your goals evolve. IUL offers customizable funding and access options designed to adapt to changing needs.

Tax-Advantaged

Cash value grows tax-deferred1 and can typically be accessed through policy loans or withdrawals when structured properly, offering potential tax-efficient income.

IUL Money Calculator

Your premiums fund a policy that includes insurance costs and a cash value account. That account earns interest linked to a market index, subject to caps and floors.

Market down 20% → your credited interest: 0%
Market up 8% → your credited interest: up to the cap
No direct market investment

$100

monthly premium

1020304050600$100,000$200,000$300,000$400,000$500,000$600,000$700,000$800,000

$211,425

6.40% average return

$68,628

1.71% average return

Annual returns with growth of 9% and floor of 0%
Annual market returns

DEATH BENEFIT

A death benefit will be associated with the policy based on an individual's age and health.

** This tool is for educational purposes only and is not a policy illustration. A personalized, carrier-approved illustration will be provided before any purchase. Tables and charts are for educational and illustrative purposes only and are not based on any specific policy example. Assumed rates of return are hypothetical and do not represent actual or guaranteed performance. Past index performance does not predict future results. Please reference your specific policy illustration for additional details. All guarantees and contractual obligations are based solely on the claims-paying ability of the issuing life insurance company. The 0% floor applies to credited interest only and does not prevent declines in cash value due to policy charges, cost of insurance, loans, or withdrawals. Policy must be properly funded to remain in force. Caps, participation rates, charges, and terms vary by carrier and may change over time.

Access your cash value when needed

IUL policies may allow you to access accumulated value through loans or withdrawals for:

Supplemental retirement income
Unexpected expenses
Business or opportunity funding
Financial flexibility during market downturns

FAQs

##### Is this an investment?

No. IUL is life insurance with cash value linked to an index. It is not a direct market investment.

##### Is there any possibility I can lose money inside the policy?

Index-linked growth includes downside protection, so you won’t be credited negative interest due to market losses. However, policy charges and loans can impact cash value.

##### If I take out my retirement cash, do I lose my coverage?

Withdrawals or loans may reduce your death benefit and cash value. If the policy is not properly funded, coverage could lapse.

##### If I pass away without taking out my accrued cash amount, do they disappear?

No. The death benefit is paid to your beneficiaries. The cash value is part of how the policy is funded and is not paid separately unless structured otherwise.