Indexed Universal Life (IUL) Insurance
Grow wealth, protect loved ones, and unlock tax-free retirement income — all with one smart, flexible policy. Our IUL plans give you more than peace of mind; they help secure your financial future in multiple ways.
About Indexed Universal Life (IUL) Insurance
Unlike typical life insurance that just pays out when you pass away, an IUL combines a death benefit with a built-in cash value account that grows over time. The unique part? The growth is tied to a market index like the S&P 500. That means you participate in market upswings — without risking losses when the market drops.
Market growth without market losses
With an IUL, your cash value grows based on the performance of a market index — but it also has a 0% floor. If the market goes down, your money doesn’t lose value due to market drops. That’s a level of protection you simply can’t get with typical market investments.
A tax-advantaged way to save for the future
Your IUL grows tax-deferred, and you can later pull out funds tax-free through policy loans for things like college tuition, weddings, or even to supplement your retirement. It’s one of the most underutilized strategies for building tax-free income — and we love showing clients how it works.
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Grow Wealth While Staying Protected
An Indexed Universal Life policy is all about flexibility. You can adjust premiums, shift your focus between building cash value and increasing your death benefit, and add living benefits that protect you if life throws you a curveball.
Long-term Care & Critical Illness Riders
If you’re ever diagnosed with a serious illness or need long-term care, your IUL can pay out early — helping cover bills while you’re still alive.
Be Your Own Banker
Access cash value in as little as 48 hours without banks, credit checks, or waiting on loan approvals. It’s money on your terms.
Leave A Legacy
Even after you use the cash value, your loved ones still receive a death benefit, ensuring your hard work continues to support them.
Our Process
Most people think these policies are complicated. We make it simple, step by step.
01.
Discuss your goals
We’ll explore what’s important to you: retirement, college funds, protecting family, or all of the above.
02.
Design your custom IUL
We tailor the structure of your policy — balancing how much goes into cash value vs. the insurance component — so it fits your life perfectly.
03.
Apply & build your future
We handle the paperwork, keep the process stress-free, and set you up for long-term success.
04.
Review & adapt over time
Your life changes — your policy can too. We’ll revisit it with you to maximize your benefits as your needs evolve.
Why Smart Planners Choose IUL
There are plenty of agents who can sell you a life policy. Few actually teach you how to strategically use an IUL to build wealth and retire tax-free.
True IUL Specialists
We’ve helped countless Texans turn these policies into powerful income streams for retirement. We’ll show you exactly how it works — with your numbers.
Transparent, Educational Approach
No one likes feeling confused. We break it down simply, so you’re always in the driver’s seat.
Dedicated To Your Long-Term Success
This isn’t set-it-and-forget-it insurance. We’re here for annual reviews, questions, and to help you adjust as markets or your goals shift.
what our clients are saying
We take pride in delivering fast, honest service — and making sure our clients feel confident in their coverage. Here’s what they’ve shared:
“Farmers helped me find the right commercial insurance for my startup. Their personalized approach made me feel like I was in good hands.”
– John M
“Their team goes above and beyond to answer my questions and provide updates. It’s rare to find such genuine care and professionalism these days.”
– Emma
“Farmers Insurance has been with us for years, covering our home, auto, and even our boat. I trust them completely to take care of what matters most.”
– David
“I switched to Farmers for my business insurance, and it was the best decision ever. They offer tailored coverage and took the time to explain everything in detail.”
– Michael T
“Farmers Insurance has been a lifesaver for my family. Their team is always friendly, responsive, and ready to help. I feel confident knowing my home and car are protected with them.”
– Zhon
“Farmers Insurance has been a lifesaver for my family. Their team is always friendly, responsive, and ready to help. I feel confident knowing my home and car are protected with them.”
– Zhon
“I switched to Farmers for my business insurance, and it was the best decision ever. They offer tailored coverage and took the time to explain everything in detail.”
– Michael T
“Farmers Insurance has been with us for years, covering our home, auto, and even our boat. I trust them completely to take care of what matters most.”
– David
“Their team goes above and beyond to answer my questions and provide updates. It’s rare to find such genuine care and professionalism these days.”
– Emma
“Farmers helped me find the right commercial insurance for my startup. Their personalized approach made me feel like I was in good hands.”
– John M
IUL Insurance FAQs
We answer these questions almost daily — so you’re not alone.
How is an IUL different from whole life?
Whole life gives steady, guaranteed growth. An IUL ties cash value to a market index, offering more growth potential (but still protects you from losses with a floor).
What’s the “cap rate” I keep hearing about?
It’s the max your policy can credit in a year. For example, if your cap is 10% and the market rises 12%, you’ll be credited 10%. That’s how the insurer manages the downside protection.
Can I lose money in an IUL?
No — at worst, in a down market year, you’ll simply earn 0%. Your gains from previous years are locked in.
Is this a good option for retirement?
Absolutely. Many clients use IULs as a tax-free bucket alongside IRAs or 401(k)s, especially since you’re not penalized for accessing funds before 59½.
Do I still get a death benefit?
Yes. Even if you tap your cash value for retirement income, there’s still a death benefit that goes to your loved ones.
Our Insurance
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From your home to your car to your family’s future, we help Texans choose the right protection with fast service and expert guidance.
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