Indexed Universal Life Insurance combines lifelong death benefit protection with the potential for market-linked cash value growth — while a built-in floor protects you from market losses. One of the fastest-growing life insurance products in America.
Schedule a Consultation How IUL WorksIUL combines lifelong protection with market-linked growth. Here's exactly how it works.
💡 Real Example: A 45-year-old paying $1,000/month into an IUL for 20 years could accumulate $400,000+ in cash value available as tax-free retirement income — while maintaining a death benefit for their family throughout. Results vary by carrier and market performance.
An IUL policy is a form of permanent life insurance with a cash value account whose growth is linked to a stock market index — such as the S&P 500, Nasdaq 100, or Dow Jones. You're not investing directly in the market, but your credited interest is based on index performance.
The key differentiator: a 0% floor. If the market drops, your cash value doesn't lose value. If the market rises, you participate in those gains up to a cap or participation rate set by the insurer.
IUL is now one of the most popular life insurance products in the U.S. — representing 25% of the total life insurance market with record-breaking premium growth in 2025.
📊 IUL is often used by higher earners who have maxed out their 401(k) and IRA contributions and are looking for additional tax-advantaged growth with lifetime protection.
Kenneth will walk you through your options — no pressure, no jargon, just the right plan for your family.
Important Disclosures
Final expense life insurance proceeds are paid directly to the named beneficiary and may be used at their discretion — they are not restricted to any specific funeral provider or service. Final expense policies carry lower face values than most traditional life insurance products, as they are designed to address end-of-life costs rather than provide broad financial support for surviving dependents. These policies typically do not require a medical exam; however, premiums increase with age, and benefit payouts may be subject to limitations during an initial period for applicants with significant health conditions. All policy guarantees are contingent on the claims-paying ability of the issuing insurance company.
This website contains information about Indexed Universal Life Insurance (IUL) and constitutes a solicitation of insurance. A licensed agent or producer may contact you. IUL policies are not direct investments in the stock market. Interest is credited based on the performance of an external index, subject to a floor rate (typically 0%) and a cap or participation rate. Even with a floor in place, the policy's cash value may decrease due to the cost of insurance, policy fees, and other charges. IUL policies contain specific terms, limitations, exclusions, and conditions required to keep the policy in force. All guarantees are subject to the financial strength and claims-paying ability of the issuing company. Please review your policy contract carefully for complete details.
Reducing or suspending premium payments will affect the amount of interest credited to the policy and may shorten the period the policy remains in force. Accessing cash value through withdrawals or loans will reduce both the available cash surrender value and the death benefit. Policy loans are subject to interest; any outstanding loan balance will be deducted from the death benefit at the time of claim. There are limits on the amount that may be paid into an IUL policy. Excess contributions may cause the policy to become a Modified Endowment Contract (MEC), which changes the tax treatment of withdrawals and loans. The term "Simplified Issue" refers to a streamlined underwriting process that reduces the time needed to obtain coverage and does not imply guaranteed approval.
The death benefit is generally not payable if the insured's death results from suicide — whether sane or insane — within the policy's contestability period. In such cases, the benefit paid will be limited to the sum of premiums paid since policy issuance, less any outstanding loan balances, loan interest, and prior withdrawals. Specific exclusions and limitations vary by state and by policy.
This website constitutes a solicitation of insurance. A licensed agent or producer may contact you following submission of your information. Product availability, coverage terms, and features vary by state and by policy. Premium rates may be higher for tobacco users. Final rates and eligibility are subject to underwriting review based on your application responses and information obtained from third-party sources. Policies contain specific limitations, exclusions, termination provisions, and requirements for maintaining coverage. Please contact Kenneth Bowne or refer to your policy documents for full details. All guarantees are based on the claims-paying ability of the issuing life insurance company.
Kenneth Bowne (NPN: 21759978) is a licensed independent insurance producer. Bowne Policy Pro is not affiliated with any single insurance carrier. Products and services offered may not be available in all states.