GET A FREE PROTECTION REVIEW AND SEE IF YOU HAVE THE RIGHT LIFE INSURANCE!

Index Universal Life

Empowering families with indexed universal life insurance for growth and protection in uncertain times.

Grow Your Wealth. Protect Your Family. All in One Plan.

Indexed Universal Life Insurance (IUL) is a flexible life insurance policy that provides a tax-free death benefit to protect your loved ones and builds cash value over time, with growth linked to a stock market index (like the S&P 500). It gives you the potential to grow savings for retirement or emergencies—without risking market losses—and allows tax-free access to your funds when you need them most.

Two Main Index Universal Life Insurances

Americo IUL offers fast, no-exam coverage with built-in living benefits, while Transamerica IUL requires underwriting but provides higher coverage and more growth options.

IULs from TransAmerica

The Transamerica Financial Choice IUL offers flexible life insurance with the potential for aggressive cash value growth, tax advantages, and living benefits.

Limited IUL from Americo

Life insurance that protects your family, grows cash value, and includes living benefits — with fast approval and no medical exams.

Learn More

Why Index Universal Life is a Great Investment

Doug Andrew is a financial strategist, bestselling author, and educator known for teaching how Indexed Universal Life (IUL) can be a powerful tool for building tax-free retirement income, protecting your family, and growing wealth safely. Through his "3 Dimensions of Authentic Wealth" approach, Doug explains how IUL offers growth, safety, and liquidity—making it a smart alternative to traditional retirement plans like 401(k)s or IRAs.

Sales Professional Testimonial

Its fun to under promise....and OVER DELIVER! In this episode of Does IUL work, we will take a look at the actual results of an account that was put in place 12 years ago where the results are 2 years ahead of schedule, and actually BETTER than projected. This video also reinforces why it is CRITICAL that you work with a properly trained IUL specialist who has your best interest at heart for having results like you see in this case study.

Chiropractic Testimonial

Everyone is familiar with illustrations that are provided when becoming involved with a investment or with a insurance policy. But how accurate are these illustrations? In this video, I will show you a real client who is a Chiropractor and what his original illustration projected 13 years ago and what the performance ACTUALLY turned out to be. You will also see why it is CRITICAL that you work with a properly trained IUL specialist.

School Teacher Testimonial

Everyone is familiar with illustrations that are provided when becoming involved with a investment or with a insurance policy. But how accurate are these illustrations? In other words....DOES IUL WORK? In this video, I will show you a real client who was a school teacher and what his original illustration projected 12 years ago and what the performance ACTUALLY turned out to be. You will also see why it is CRITICAL that you work with a properly trained IUL specialist that has YOUR goals and dreams in the fore-front and an advisor that can provide a meaningful transformation that covers all 3 dimensions of authentic wealth.