Editing IULPolicy.com (section)

== Benefits of Owning an IUL Policy ==
An Indexed Universal Life (IUL) policy offers a unique combination of life insurance protection and flexible, tax-advantaged wealth accumulation. Key benefits include:

=== 1. Lifetime Death Benefit ===

* Provides tax-free payout to beneficiaries
* Helps protect family, cover final expenses, or preserve an estate

=== 2. Tax-Deferred Cash Value Growth ===

* Accumulates cash value over time based on performance of a market index
* Gains are locked in annually, with no exposure to stock market losses

=== 3. Tax-Free Loans and Withdrawals ===

* Policyholders can access cash value through policy loans
* Loans are typically tax-free if the policy is properly structured and maintained

=== 4. Supplemental Retirement Income ===

* IULs can serve as a source of tax-free retirement income
* Commonly used to supplement 401(k)s, IRAs, or pensions

=== 5. Protection Against Market Downturns ===

* Policies have a 0% floor—meaning no losses due to negative market performance
* Upside potential is typically capped but offers safer, predictable growth

=== 6. Living Benefits ===

* Some policies include riders for chronic illness, critical illness, or long-term care
* Provides financial support while the policyholder is still alive