Explore indexed universal life insurance

Permanent protection with the potential for growth. See if an IUL policy fits into your long-term financial strategy.

Index Universal Life is life insurance which offers the opportunity to earn index interest based in part on the performance of an underlying index. Indices are not available for direct investment.

Raising your IUL policy’s death benefit may increase insurance costs and reduce cash value growth. Additional premiums could be required to keep coverage in force. Changes are subject to underwriting approval and policy terms. 

Products, rates, and availability vary by state and eligibility, and may depend on your truthful answers to a health questionnaire. Rates shown are illustrative and not guaranteed. Insurance is provided by third-party carriers. Images may include models and are for illustrative purposes only. Policygenius does not provide legal, tax, or investment advice. 

No-exam/accelerated underwriting coverage: Issuance of a term life insurance policy without a medical exam is subject to product availability and your eligibility, and may depend upon your truthful answers to a health questionnaire.

Curious about other prices or claims in our ads? Additional details are available on our Disclosures page.

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Explore indexed universal life insurance
  

Permanent protection with the potential for growth. See if an IUL policy fits into your long-term financial strategy.

Human support

Why Policygenius?

Our team of licensed experts is here to answer questions, handle paperwork, and help you make decisions with confidence.

Quick comparison

Browse policy options including IUL, term and whole life, accelerated underwriting, and final expense.

Stress-free buying

Our agents work for you, not the insurers, to help you find and secure your best-fit coverage.

Why Policygenius?

Human support

Our team of licensed experts is here to answer questions, handle paperwork, and help you make decisions with confidence.

Quick comparison

Browse policy options including IUL, term and whole life, accelerated underwriting, and final expense.

Our agents work for you, not the insurers, to help you find and secure your best-fit coverage.

Stress-free buying

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Yes, we have to include some legalese down here. Policygenius LLC (DBA Policygenius Services LLC in NY; DBA Policygenius Insurance Services in California) (“Policygenius”), a Delaware corporation with its principal place of business in Greenwich, CT, is a licensed independent insurance broker. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application.

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Protection

If you die, your loved ones will receive your death benefit, which they can use to help offset final expenses, mortgage debt, and more.

Growth potential

Flexibility

How it works

Find the right fit for your needs

Get more from your life insurance with a policy that offers cash value, which can grow over time.

Some policies offer the flexibility to increase or decrease the size of the death benefit (within limits) as your coverage needs change. 

Our licensed agents can help you determine if this is right for you.