Indexed Universal Life
Indexed universal life insurance — coverage with growth potential
Permanent coverage tied to a market index, with flexible premiums and a cash value that can grow over time.
Indexed universal life (IUL) is permanent life insurance where the cash value growth is tied to a market index, like the S&P 500, with a floor that protects against market losses. It offers flexible premiums and lifelong coverage with upside potential.
Is indexed universal life right for you?
- People who want permanent coverage with growth potential
- Those comfortable linking cash value to a market index
- Families with long-term estate needs
- Anyone who wants flexible premium payments
What you get
Market-linked growth
Cash value can grow based on a market index, with a floor that limits losses.
Flexible premiums
You can adjust how much and when you pay within policy limits.
Lifetime coverage
Permanent protection that lasts your whole life when funded properly.
How Surelii helps
IUL is more complex than term or whole life. Our agents explain the caps, floors, and participation rates in plain language, then compare options across our licensed carrier partners so you understand exactly what you're buying.
Common questions
Your family is worth a few minutes today
Answer a few simple questions. No exam, no needles. A licensed agent will reach out personally within 24 hours to walk you through your options.