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Indexed Universal Life (IUL)
Educational overview of IUL, including caps, floors, participation, and no-lapse guarantees.
Indexed Universal Life (IUL) is a permanent life-insurance policy category where the cash-value component is linked to the performance of an external index such as the S&P 500. Common policy features include a cap (the maximum credited rate), a floor (often 0%), a participation rate, and a premium-to-coverage-structure that influences the no-lapse guarantee. Surrounded by marketing claims—review the policy illustration carefully and ask your licensed advisor to walk through each scenario with you. Educational content only. This information is not financial, tax, or legal advice. Product availability varies by state and carrier underwriting. Speak with a licensed advisor before making decisions based on this content. By Laura Flaherty · Last reviewed recently. Have questions about this topic? Schedule a no-pressure consultation → Service-specific FAQ Indexed Universal Life (IUL) — common questions + +