IUL is a form of permanent life insurance that:
📈 If the market rises, you grow (up to a cap).
🛡️ If the market crashes, you don’t lose — thanks to the 0% floor.
Example:
Market goes up +12% → You might be credited +9%
Market crashes -20% → You’re credited 0%, no loss
Your money grows without direct market exposure, using an index strategy with a cap and floor.
And your cash keeps compounding while you use it.
| Benefit | What It Means |
|---|---|
| Tax-Free Retirement Income | Access cash via loans — no taxes if structured properly |
| Market-Linked Growth | Grow based on index performance — but never lose |
| Permanent Protection | Coverage that lasts your whole life |
| Living Benefits | Early access to death benefit for chronic or terminal illness |
| Flexible Premiums | Pay more when you want, scale back if needed |
| No Required Distributions | No age 73 withdrawal rule like IRAs/401(k)s |
| Legacy Planning | Leave behind a tax-free benefit to loved ones |
| Feature | IUL | Roth IRA | 401(k) |
|---|---|---|---|
| Tax-Free Growth | ✅ | ✅ | ❌ |
| Market Risk | ❌ (0% floor) | ✅ | ✅ |
| Contribution Limits | ❌ | ✅ | ✅ |
| Access Anytime | ✅ | ❌ | ❌ |
| Death Benefit | ✅ | ❌ | ❌ |
A: No. Your cash value has a 0% floor — you’re protected.
A: Yes — through tax-free policy loans, without age restrictions.
A: Many clients start with just $150–$300/month and scale up.
A: It’s not a replacement — it’s a strategic complement with fewer restrictions and more control.
Lacey Life Financial™ • Orlando, FL • NPN: 21643251