What it means
Cash value is money that can build inside the policy. Part of its interest may be based on a market index, such as the S&P 500. You are not buying shares in that index. Policy rules limit how much interest can be credited.
Life insurance optionsIndexed universal life (IUL) · Your questions come firstIUL insurance.
IUL insurance.
Understand it before you choose.
Indexed universal life, or IUL, is life insurance with a cash value feature. It needs more ongoing attention than a basic term policy.
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Before deciding, ask to see what happens if the policy earns less interest than the sales example shows. A projected value is not a promise.
What to know before choosing
A 0% floor on index-linked interest does not mean your cash value cannot fall. Insurance costs, fees, withdrawals, and loans can reduce it. More payments may be needed to keep coverage active, and the policy can end if it is not adequately funded.
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Is IUL a stock-market investment?
No. It is life insurance. The index helps determine interest under the policy's formula; your cash value is not invested directly in that index.
Can I change my payments?
Some flexibility may be available, but paying less can put coverage at risk. Ask what payments are needed under lower-interest scenarios.
Can I take money out?
Loans or withdrawals may be available. They can have costs, reduce the benefit, increase the risk of coverage ending, and have tax consequences. Review the details with qualified professionals.
What should I see before buying?
Ask for guaranteed and non-guaranteed values, all policy costs, interest limits, and the cost of cancelling early. Plan to review the policy regularly.
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General information, not a quote or a coverage promise. Eligibility, payments, benefits, exclusions, and availability depend on your state, the insurance company, and the policy. A beneficiary is the person or organization you name to receive the death benefit.
Learn more: California Department of Insurance: Life insurance guide. NAIC: Life insurance. These sources provide general education and do not endorse TrueMatch Advisors.