Indexed Universal Life Insurance

Understand permanent coverage with flexible features and index-linked interest crediting.

Understand how it works.

Indexed universal life is life insurance, not a direct investment in an index. Interest crediting is subject to caps, participation rates and policy provisions. Charges continue even when little or no interest is credited. Non-guaranteed illustrations are not predictions. Funding, loans and withdrawals require ongoing review.

Start with this question

How do charges, crediting limits and funding requirements affect this option?

Compare before you decide.

Review the premium, coverage amount, exclusions, underwriting requirements and how the policy may change over time. Your existing coverage and budget matter in choosing an appropriate option.

Marquita can explain the available options in the states where she is licensed. Product availability and eligibility depend on the carrier and your circumstances.

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Why consider IUL?

IUL may be relevant when you need permanent coverage and want to understand flexible premium and cash value features. Interest crediting can be linked to an index under the policy’s rules. You are buying life insurance, rather than shares of that index.

Questions to think about

What premium supports the policy over time?
Which values are guaranteed in the illustration?
How do charges and loans affect my coverage?

A few things you may be wondering

Does an index floor mean the policy cannot lose value?

No. A crediting floor does not eliminate policy charges. Cash value can decrease, and inadequate funding or loans can increase lapse risk.

Can I use cash value during my life?

Eligible loans or withdrawals may provide access under the contract. They affect policy values and benefits and can create tax consequences. Review the policy regularly.

Watch & learn

A closer look at the topic.

Indexed universal life

An introduction to IUL. Review premiums, charges, non-guaranteed crediting and the effects of withdrawals or loans before deciding.

Third-party video · Watch on YouTube ↗

Educational videos selected by Marquita. The creator’s branding may appear; it does not change your relationship with Gaby Moses Business & Legacy Solutions. Product availability and terms must be confirmed for your situation.

Bring your questions. Let’s make your next step clearer.

Understand the options that fit your responsibilities and budget.

Request an IUL Consultation