📈 What Is an IUL?
 
Indexed Universal Life is a permanent life insurance policy with a twist: it gives you the option to grow your cash value based on the performance of a stock market index (like the S&P 500), without exposing your money to market losses. 
 
And unlike term life insurance, an IUL offers lifetime coverage—so your policy never expires as long as you maintain it properly.
 
 🎯 Who Is an IUL Right For?
 
An IUL can be a great fit for:
 
 Individuals maxing out traditional retirement accounts
 Small business owners or self-employed professionals
 Parents looking to build tax-free college savings
 High-income earners who want tax diversification
 Anyone seeking lifetime coverage with cash value growth
 
Note: IULs are not ideal for those who can only afford minimum payments. These policies work best when properly funded over time.
 
 🛡️ Our IUL Services
 
At Independent Brokers of Orlando, we offer:
 
 Access to 150+ A-rated insurance carriers
 Side-by-side comparisons of top IUL policies
 Personalized designs based on your age, goals, and budget
 Easy-to-understand illustrations and cash value projections
 Bilingual service (English & Spanish)
 Trusted guidance from licensed brokers—not pushy salespeople
 
We’ll help you understand what matters most—cap rates, floors, fees, riders, and flexibility—and how to fund your IUL so it works for you in the long run.
 
 🧾 Common IUL Uses
 
 Tax-free retirement income
 Wealth transfer and estate planning
 College savings alternative
 Emergency fund or opportunity fund
 Business planning or executive bonus structures
 Long-term care protection through riders
 
 💬 Ready to Learn More?
 
An IUL isn’t a one-size-fits-all solution. But when structured correctly, it can be a powerful tool in your financial strategy.
 
Let’s see if it’s right for you.​