IUL for America's hardworking families
Growth without the losing years
Life insurance with cash value tied to a market index — plus a 0% floor, so a down year in the market credits zero instead of a loss.
Free quote for America's hardworking familiesQuestion 1 of 5See what you qualify for
A few quick taps. Takes about two minutes — free, no obligation.
- Takes about 2 minutes
- No SSN or payment info
- No obligation
For earners who want protection now and tax-advantaged access later. Not an investment — an IUL is life insurance with cash value. Private insurance — not a government program.
Rather talk? Call (202) 365-3584- Proudly serving America's hardworking families
- Licensed in 49 states
- Free quote in 2 minutes
- No cost, no obligation
- Real agents in Dallas, Texas
Thank you for what you do
America works hard. Your money should too.
You've put in the hours. An IUL gives your savings a share of the market's good years and a floor under the bad ones — with a death benefit protecting your family the whole time.
See what I qualify for
- 2 min
- To check your options
- 0%
- Floor on index losses
- $0
- Cost to check
- 49
- States we serve
The problem
It's not the average return. It's the bad year.
If your portfolio drops 40%, it needs to gain 67% just to get back to even. When that happens right before retirement, the math is brutal.
Losses hurt more than gains help
Down 50% and then up 50% doesn't put you back where you started — it leaves you 25% short. Every recovery starts from a smaller number than the drop did.
You can't control the timing
Two people with the same average return can retire in very different shape, just because of which years the losses hit. That's sequence risk, and discipline can't fix it.
A floor changes the math
An IUL credits interest based on an index, within limits. The upside is capped. The downside has a 0% floor — in a losing year you're credited zero, not a negative.
0%
The most an index loss can credit against your cash value
The floor applies to credited index interest. Policy charges, cost of insurance and fees still apply and can reduce cash value in any year.
Why people choose an IUL
Protection for your family today, and a smarter place to grow money for tomorrow.
01
Protection when the market drops
Your cash value has a 0% floor, so a bad year in the market credits zero instead of a loss. Policy fees still apply — and we'll show you the down years, not just the good ones.
02
Tax-advantaged access
In a properly funded policy, you may be able to reach your cash value through policy loans that generally aren't taxed as income under current tax law. Loans reduce the policy's value and death benefit.
03
Premiums that flex
Put more in when money's good and ease off when it's tight, within your policy's limits. Your agent will show you what the policy needs to stay healthy.
04
Living benefits
A heart attack, a stroke or a serious diagnosis. If you're diagnosed with a qualifying critical, chronic or terminal illness, you can get part of your death benefit early — while you're still alive.
“I'd been quoted three times and every agent pushed the same product. Prime was the first to actually show me the numbers side by side — including the option that paid them less. That's why I signed.”
Priya N.Nurse practitioner · Sacramento, CAClient name shortened for privacy. Individual results vary.
Works alongside your 401(k)
Keep the 401(k). Add what it can't do.
Take the match — always. An IUL adds what a retirement account can't: a death benefit for your family, living benefits if you get sick, and cash value you may be able to reach before 59½ without the IRS early-withdrawal penalty. You'll see the guaranteed values next to the projection.
Check my options
Straight answers
Indexed Universal Life, answered plainly
Is an IUL an investment?
No. An Indexed Universal Life (IUL) policy is life insurance, not a direct investment in the stock market.
How does an IUL build cash value?
An IUL can accumulate cash value over time. Interest is credited based in part on the performance of a selected market index, subject to the policy's caps, floors, participation rates, fees and other terms.
Can an IUL earn 8–10% interest?
An IUL may receive credited interest in that range in certain years depending on index performance and policy terms. That isn't a guaranteed return — only the policy's stated guaranteed values are guaranteed.
Can I access the money while I'm alive?
Yes. You may be able to access accumulated cash value through policy loans or withdrawals. Taking money from the policy can reduce its cash value and death benefit and may affect the policy's tax treatment.
Does an IUL include a death benefit?
Yes. An IUL provides a life insurance death benefit to your beneficiaries as long as the policy remains in force.
Does an IUL have living benefits?
Many IUL policies offer living benefit riders that may allow you to access part of the death benefit if you experience a qualifying terminal, chronic or critical illness. Availability and qualifications depend on the specific policy and carrier.
No cost, no obligation
See what you qualify for in two minutes
Answer a few quick questions and a licensed agent will design a policy around your goals — and show you the guaranteed column next to the projection. It's free, there's no pressure, and nothing gets signed on the phone.
What happens after you submit
- 1You answer a few quick questionsA handful of questions, about two minutes. No medical exam.
- 2We review your needsA licensed life insurance agent reads it before anything is quoted.
- 3You receive tailored optionsTwo or three carriers, side by side, with the trade-offs named.
- 4An agent calls when you askedYou pick the window. No robocalls, no drip campaign.
About you
Step 1 of 2
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