Protect Your Family. Grow Your Kids’ Future Tax-Free.
Discover how families across the U.S. are using proven strategies to secure college savings, protect their mortgage, and build tax-free wealth.
Tax-Advantaged Growth
Cash value grows tax-deferred, and you can access it tax-free through loans or withdrawals.
Flexible Premiums & Coverage
You can adjust payments and death benefits as your financial needs change.
Lifetime Protection
Provides permanent life insurance coverage along with a living cash value component.
About IUL
Protect Your Family, Grow Your Wealth — With One Smart Solution
An Indexed Universal Life (IUL) insurance policy is more than just life insurance — it’s a financial strategy. With IUL, you get lifelong protection for your loved ones and the ability to build cash value that grows tax-deferred, linked to market performance (without the risk of direct market losses).
It’s flexible, affordable, and designed to give you peace of mind today while helping you create a stronger financial future. Whether your goal is protecting your family, supplementing retirement income, or leaving a lasting legacy, an IUL policy puts you in control.
Testimonials
Legacy Shield Solution helped me secure a policy that not only protects my family but also grows cash value for the future. I never knew insurance could work like this.
With my IUL plan, I feel confident about retirement. I’m building wealth while knowing my family will always be covered.
The team explained everything so clearly. I now have a policy that gives me peace of mind and a financial cushion I can actually use.
Frequently Asked Questions
(FAQs)
Can I lose money with an IUL?
No — your cash value has a guaranteed floor, meaning it won’t decrease due to market downturns. While returns are capped, your principal is protected.
How can I access the cash value?
You can borrow against or withdraw from your cash value, usually tax-free, as long as the policy is properly structured and maintained.
Are the premiums flexible?
Yes — unlike traditional whole life insurance, IUL policies allow you to adjust your premium payments and death benefits to fit your changing financial needs.
How can an IUL help with retirement?
An IUL can provide a stream of tax-advantaged income during retirement by allowing you to access your cash value while still maintaining life insurance protection.
Who is an IUL best suited for?
IUL is ideal for individuals who want lifelong coverage, tax-advantaged growth, and the flexibility to build cash value for future needs such as retirement, education funding, or leaving a legacy.
Would You Like to Request a Quote?
Please fill out the short form so we can provide you with the policy options to best match your coverage and financial needs.