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Market Upside. Zero Downside.

Index-linked growth,
Indexed Universal Life

Grow your cash value linked to a market index — with a guaranteed 0% floor so you never lose money in a down market. The premier strategy for tax-free retirement income.

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Key Features

What makes this
product powerful.

Index-Linked Growth
Cash value is credited based on the performance of an index (S&P 500, Nasdaq, etc.) up to a set cap rate — often 9–12% annually.
0% Floor Guarantee
In a down market, your cash value is never credited below 0%. You do not participate in losses.
Flexible Premiums
Unlike whole life, you can adjust your premium payments and death benefit as your financial situation evolves.
Tax-Free Retirement Income
Access cash value via tax-free policy loans during retirement — creating a powerful complement to 401(k)s and IRAs.
Living Benefits
Many IUL policies include chronic illness, critical illness, and terminal illness riders at no additional cost.
Common Questions
How is IUL different from a 401(k)?
A 401(k) grows tax-deferred but withdrawals are taxed. IUL cash value grows tax-deferred and can be accessed tax-free via policy loans. It also has a 0% floor that 401(k)s do not.
What is the cap rate and floor?
The cap is the maximum credit you can receive in a good year (e.g., 10%). The floor is the minimum — always 0% or higher. If the index drops 30%, you receive 0%, not -30%.
Is IUL risky?
IUL is not a securities product and does not have market risk. The primary risks are lapse from underfunding or mismanagement. With proper illustration and structure, it is a stable long-term vehicle.
How long does it take to build meaningful cash value?
IUL is a long-term vehicle. Most clients see significant, accessible cash value in years 7–12. It is most powerful as a 20–30 year strategy.

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Who It's For

Indexed Universal Life is right
if you are...

Not every product is the right fit for every person. Here's who benefits most from this coverage.

Pre-Retirees
Those 10–25 years from retirement looking to build tax-free income outside of traditional accounts.
Business Owners
Owners looking for executive bonus plans, key person coverage, or business continuation strategies.
High Earners
Individuals in high tax brackets who want a tax-advantaged vehicle with market participation and protection.

Let's find your
perfect coverage.

A licensed Stalex advisor will compare the best Indexed Universal Life policies on the market — for free.

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