Secure Your Familys Future With Indexed Universal Life Insurance
At Indexed Legacy, we help families and professionals build tax-free wealth, protect their future, and pass on a legacy — using the power of IUL insurance.
What Is an IUL?
Indexed Universal Life (IUL) is a powerful life insurance strategy that gives you:
Tax-Free
Retirement Income
Build a future where your money works harder — not your taxes. Access your policy's cash value later in life without paying income tax.
Permanent Death
Benefit Protection
Provide lifelong financial security for your loved ones. Your IUL ensures your family receives a guaranteed, tax-free payout — no matter when you pass.
Cash Value Access
with No Market Risk
Enjoy growth linked to market performance — without the downside. Your cash value is protected even when the market dips.
Flexible Payments
Based on Your Budget
Start where you are. Whether you're investing $100 or $1,000 a month, your policy adjusts to match your financial goals and stage of life.
Why Choose
Indexed Legacy?
We’re not your average insurance agency.
We Educate First — No pressure, just clarity.
Custom IUL Designs — Built for your goals, not quotas
Top A+ Rated Carriers
Simple, Transparent Process
Who We Help
Young professionals
building early wealth
Parents planning for
college + retirement
Entrepreneurs wanting
to protect and grow
Families ready to pass
down tax-free assets
Tax-Free
Retirement Strategy
Turn your IUL into a private bank for retirement.
No RMDs (Required Minimum Distributions)
No 10% penalties like a 401(k)
No market loss risk
Access funds when you need them — tax-free
Your IUL guarantees
A tax-free inheritance
No probate delays
Financial protection
that lasts generations
what client's say about us
“I never knew insurance could build wealth like this. Indexed Legacy helped me create a plan that gives me control over my future.”
Carlos H.
Atlanta, GA
“We’re already building cash value for our daughter before she turns 10.”
Jasmine D.
Chicago, IL
Frequently Asked Questions
What is an Indexed Universal Life (IUL) policy?
An IUL is a type of permanent life insurance that builds cash value over time based on the performance of a stock market index — without risking your money if the market goes down.
How does the cash value grow in an IUL?
The cash value grows based on a percentage of a market index (like the S&P 500). It’s protected by a “floor,” meaning you won’t lose money due to market drops.
Is an IUL better than a 401(k) or IRA?
It depends on your goals. IULs offer tax-free retirement income, no market loss risk, and no required minimum distributions (RMDs), which can complement or outperform traditional retirement plans.
Can I access my money while I'm still alive?
Yes! You can borrow against your policy’s cash value tax-free to use for retirement, emergencies, college, or business opportunities.
How much do I need to start an IUL?
Yes! You can borrow against your policy’s cash value tax-free to use for retirement, emergencies, college, or business opportunities.
Is the money really tax-free?
Yes — when structured properly, the cash you borrow from your policy is not taxed, and the death benefit is paid out income tax-free to your beneficiaries.
What happens if the stock market crashes?
Your policy has a 0% floor, so even if the market crashes, your cash value doesn’t lose money — it just doesn’t grow that year.
Can I lose money in an IUL?
No — your cash value is protected from market losses. You won’t gain during down years, but you also won’t lose your existing value due to market performance.
What companies offer IULs?
Only top-rated insurance carriers offer IULs, and at Indexed Legacy, we only work with A-rated or better providers that have a proven track record.
Is an IUL right for me?
If you want tax-free growth, life insurance protection, and the ability to access funds without penalty, an IUL might be a smart addition to your strategy. Book a free call to find out.
Take Control of Your Legacy
Your wealth shouldn’t be a mystery. Let’s build your plan together.