Indexed Universal Life (IUL)

Indexed Universal Life (IUL) Insurance is a versatile financial tool that combines life insurance with the potential for cash value growth based on a stock market index, such as the S&P 500. IUL policies offer the flexibility to adjust your premiums and death benefit as your financial needs change over time. At Rebecca Candelas Insurance Agent, we can help you explore IUL options and explain how they align with your financial planning goals.

One of the key benefits of IUL is the opportunity for cash value accumulation, which grows tax-deferred and can be accessed through policy loans or withdrawals. The cash value is tied to the performance of a stock market index, offering potential growth without the risk of direct investment in the market. Most IUL policies include a minimum interest rate, protecting you from market downturns while allowing growth when the market performs well.

In addition to providing a death benefit, IUL can serve as a long-term savings vehicle, supplementing retirement income, covering emergencies, or funding significant life events. With the guidance of Rebecca Candelas Insurance Agent, you can learn how IUL fits into your financial strategy, maximize its benefits, and ensure it aligns with your future needs. Contact us today to discuss how Indexed Universal Life can support your financial growth.