Indexed Universal Life Insurance
(IUL)
Protection, Flexibility & Growth — All in One Plan
Each piece of your IUL works together to create a clear picture of lifelong protection
with built-in growth and living benefits.
What is an IUL?
IUL stands for Indexed Universal Life Insurance — a type of permanent life insurance that combines protection and savings.
It offers a death benefit for your loved ones and a cash value that grows over time, based on stock market performance — without exposing your money to market loss. In other words: when the market rises, you gain; when it falls, your money stays protected.
The Premium
Power to Build
Your premium is what you pay into the policy, and it covers both your life insurance and your cash value growth.
Unlike other policies, your payments are flexible — you can adjust them up or down as life changes.
Over time, your cash value may even help pay your premiums for you, giving you more freedom later in life.
The Benefit Two in One
An IUL gives you two benefits in one plan:
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A Death Benefit — paid to your loved ones when you pass.
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A Cash Value Account — that grows while you’re alive.
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You can access this cash value for:
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Retirement income
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College tuition
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Emergencies
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Future investments
The Living Benefits
Protection You Can Use
Life doesn’t always go as planned — that’s why many IULs include living benefits.
If you’re diagnosed with a critical, chronic, or terminal illness, you can access part of your death benefit early to cover expenses like medical care, household bills, or recovery.
It’s protection you can rely on — while you’re still here.
The Growth
Safe Potential
Your policy’s cash value grows based on the performance of a market index (like the S&P 500).
When the market goes up, your account earns interest (up to a cap).
When the market goes down, your account is protected — you never lose due to market decline.
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It’s the perfect balance between security and opportunity.
The Purpose The Why Behind It
An IUL is more than life insurance — it’s a living financial tool.
It helps you protect, grow, and access your money
throughout life.
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Common uses:
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Tax-advantaged retirement income
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Family and business protection
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Emergency access to cash
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Legacy building and wealth transfer
When the Pieces Fit Together
Indexed Universal Life = Lifetime Protection + Tax-Advantaged Growth + Living Benefits
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✅ Permanent coverage
✅ Cash value that grows safely with the market
✅ Access to your money while alive
✅ Tax advantages
✅ A lasting financial legacy
Who Is a Good Fit for an IUL Policy?
Example:
A 40-year-old parent starts a
$250,000 IUL policy with living benefits.
✅ Premium: $250/month
✅ Purpose: Protect family + grow tax-free savings
✅ Over time: Cash value grows with the S&P 500 index — it rises when the market performs but never loses when it drops.
✅ At 65: Cash value can be used for tax-free retirement income.
✅ If illness occurs: Living benefits allow access to part of the death benefit for medical needs.
✅ If they pass away: Remaining death benefit is paid to their family..
Built-in Fexibility
Life changes — and your policy should too.
With an IUL, you can adjust your payments or coverage as y
our needs evolve.
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Pay more or less depending on your budget
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Use your cash value to cover future payments
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Increase or reduce your coverage as life shifts
It’s protection that grows with you — not against you.
Why Choose Smart Life
Choosing the right term life insurance shouldn’t be confusing.
At Smart Life, I take time to understand your goals, budget, and the
people you love most — so your coverage fits perfectly.
Life is a gift. Protect it simply, wisely, and confidently.
Let’s find the right term coverage for you.
- Linda Galindo
📞 Call/Text: (714) 804-4888
📧 linda@callsmartlife.com
📲 Follow: @call_smart_life