What is IUL: A simple guide

Have you heard about the term “wealth beyond wall street”? It is essential for you to grasp what wealth exists outside of Wall Street before continuing. You cannot invest in something you are unfamiliar with, after all. To make a long tale short, Brett Kitchen and Ethan Kap, authors of the books Safe Money Millionaire and Wealth Beyond Wall Street, are credited with coining these concepts. The core motive behind this theory is to invest in Indexed universal life policies. Now that is something worth checking out. So, let’s understand the IUL (Indexed Universal Life) Policy.

Indexed Universal Life Policy?

Indexed universal life (IUL) policies offer cash value growth that is tied to one or more stock market indexes, while also providing a death benefit to beneficiaries. IUL policies are one type of permanent life insurance, which means they can stay in force for the policyholder’s entire life as long as premiums are paid.

IUL policies have become popular in recent years because they offer the potential for cash value growth that is higher than what is available with traditional fixed-rate universal life policies. However, IUL policies also come with some risks, including the potential for negative cash value growth if the index (es) to which the policy is tied performs poorly.

How does an indexed universal life policy work?

An indexed universal life insurance policy (IUL) is a type of permanent life insurance that offers the policyholder the potential to accumulate cash value. The cash value accumulation is linked to a stock market index, such as the S&P 500, and the interest credited to the policy is based on the performance of the index.

IULs offer a death benefit to the policyholder’s beneficiaries and also provide the policyholder with the opportunity to withdraw or borrow against the policy’s cash value.


An IUL policy is a good choice for individuals who are looking for a life insurance policy that offers the potential for cash value growth and also provides flexibility in how the policy’s death benefit is used. However, there are also some downsides to IUL policies. You can refer to the website of Life benefits to learn more about IUL policies.

Stella Tennant

Stella Tennant has helped several global brands, which get heard across the digital space, through result driven content & social media marketing efforts. Studying blockchains and cryptocurrencies makes her hopeful of a free and decentralized future.