What if your life insurance could do more than provide a death benefit?
Indexed Universal Life (IUL) combines permanent life insurance with the potential to accumulate cash value for future financial flexibility.
Prefer to talk? Call Matt: (443) 531-1525
IUL provides permanent life insurance with additional features that may support long-term financial goals.
Provide a death benefit for your beneficiaries. Death benefits are generally received income-tax-free.
Accumulate cash value with tax-deferred growth potential, subject to policy costs and terms.
Interest crediting can be linked to an index, with contract-defined floors, caps, and participation rates.
Policy loans and withdrawals may provide access to available cash value when you need it.
The basics are easier to understand than you might think.
Select life insurance coverage and a premium strategy that fits your situation.
A portion of premiums, after applicable costs, supports policy cash value.
Explore how your policy may provide protection and future access to available cash value.
IUL isn't for everyone. The right fit depends on your needs, goals, and budget.
IUL may not be appropriate if you only need low-cost temporary coverage, need immediate access to your funds, or cannot comfortably maintain policy funding.
I'm Matthew King, an independent, licensed insurance agent.
My goal is to help you understand your options and decide whether IUL deserves a place in your financial plan.
You'll receive a straightforward, personalized conversation with no obligation to purchase.
Matthew King
King Life Insurance
NPN #18923970
Florida License #W682594
No. IUL cash value is not directly invested in an index. Interest crediting is determined by the policy's index-linked terms.
Yes. Even when an index strategy has a 0% crediting floor, insurance charges, withdrawals, and loans can reduce cash value.
Costs depend on age, health, coverage, policy design, and other underwriting factors. We'll review personalized options.
Many policies offer loans and withdrawals. These can reduce benefits and cash value, affect policy performance, and may have tax consequences.
Yes. The initial 20-minute insurance review is complimentary, with no obligation to purchase.
Complete the short form below to request your complimentary review.
We'll discuss your goals, coverage needs, and available options.