Indexed Universal Life Insurance (IUL)

---

Indexed Universal Life Insurance (IUL) is essentially a powerful savings vehicle with significant tax advantages and protection against market losses. Here’s a refined version of your description:

Indexed Universal Life Insurance (IUL): A tax-advantaged savings strategy with market-linked growth potential and downside protection.

• Tax-Free Growth: Earn an average annual return of 8-12%, with gains accumulating tax-free.
• Guaranteed Protection: A 0% floor ensures you never lose money, even if the market crashes.
• Business Advantage: Contributions can be treated as a business expense (write-off), allowing you to effectively reduce taxable income.
• Tax-Free Access: Borrow against your policy tax-free, enabling you to legally minimize taxes by 20-30%.

This structure makes IUL an attractive option for wealth building, asset protection, and tax efficiency.