Indexed Universal Life (IUL)

Protect, Grow & Enjoy Your Wealth

Key Benefits Of The IUL:

  • Compounded Cash Value Growth

  • Tax-Free Advantages

  • Death Benefits

  • Living Benefits

  • Liquidity

  • Flexibility

  • Free From Probate

  • NEXgen Wealth

Are you looking for a smarter way to protect your family's future while enjoying compounding market-linked growth? Indexed Universal Life (IUL) offers a unique blend of financial security plus wealth accumulation to make your golden years, a little more golden!

IUL Growth


The indexed interest crediting feature of an IUL, policyholders can capitalize on the chance to link a part of your policy's cash value growth to the performance of stock market indices such as the S&P 500. As the index thrives, your cash value also prospers.

THE IUL vs 401k

Index Universal Life (IUL) provides greater flexibility in premium payments and death benefit options compared to a 401(k). With an IUL, policyholders can tailor their coverage to accommodate evolving financial needs and objectives. Unlike 401(k) plans, there's no need to wait until a specific age to access funds, and you have the freedom to use your money without seeking permission.

IUL vs 401k

What Makes Us Different


Simplified Process:

From understanding to signing up, we make the journey toward securing your future straightforward and hassle-free.

Direct Agent Access:

Enjoy the privilege of direct communication with your agent, ensuring personal attention and responsiveness to your needs.


Top-Rated Carriers:

We partner exclusively with A-rated carriers, guaranteeing the best possible protection for your legacy.

Client-Centric Representation:

At Sura Guard™, your interests are paramount. We advocate on your behalf, ensuring your needs and goals are front and center in every decision.


Listening to You:

Your financial goals and needs are unique. We take the time to listen and understand, ensuring the solutions we provide are perfectly aligned with your aspirations.

Unbiased Recommendations:

With a non-biased approach to product and carrier selection, we ensure you get the best fit for your specific needs, without any pressure or sales tactics.

Successful families get IULs


How does an IUL work?

IUL is a type of permanent life insurance that provides both a death benefit to your beneficiaries and a cash value component that can grow based on the performance of a specified stock market index, like the S&P 500. Unlike direct investments in the stock market, your cash value has the potential to grow with the market and with a degree of protection against loss. Your premiums are flexible, allowing you to adjust them based on your financial situation.

How to open a IUL account?

Step 1: Fill out the survey below (CLICK HERE)

Step 2: Schedule a intro call with a licensed specialist.

Step 3: Build a custom illustration with a licensed specialist.

Step 4: Fill out application and apply with the carrier.

Step 5: Get approved and make your first premium.

How do you get approved?

Approval for an IUL is just an application process and most of the time exam free underwriting. The approval time can vary depending on the carrier. Some carriers have instant decision while others take 1-4 weeks. We guide our clients through every step to ensure a smooth and efficient process.

What is the minimum you can pay?

The minimum premium for an IUL policy varies by insurance carrier and your specific policy details, including your age, health, and the amount of coverage you're seeking. Generally, there is a minimum amount needed to keep the policy active, which can be discussed during your strategy session with us.

What is the maximum you can pay?

The maximum premium you can pay into an IUL policy is determined by the IRS to ensure that the policy remains classified as life insurance and benefits from tax advantages. Exceeding these limits can turn your policy into a Modified Endowment Contract (MEC), changing its tax treatment. We'll work with you to determine the optimal premium payments to meet your goals without surpassing these limits.

What is max funded?

Max funding your Indexed Universal Life (IUL) insurance policy can provide numerous benefits, including accelerated cash value growth, enhanced death benefit protection for your beneficiaries, tax-advantaged growth, greater flexibility and control over your policy, and alignment with long-term financial planning goals. By contributing the maximum allowable premium payments, you can potentially optimize the performance of your policy, capitalize on market growth opportunities, and build a valuable asset that supports your financial security and legacy planning objectives.


IUL Testimonial 1

"I'm not nervous that I won't have anything put aside for retirement anymore. Thank you Sura Guard"

James k - Satisfied Client

IUL Testimonial 2

"Sura Guard made the process of getting an IUL easy and understandable. We feel confident about our financial future."

Adam & Sarah - Satisfied Clients

IUL Testimonial 3

"I wish I had discovered IULs sooner. Thanks for prompting me to take action now rather than never."

John B - Satisfied Client

Do You Qualify For An IUL?

Complete the 20 Second Survey below to Learn More

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One of our Trusted Carriers


Outlook: Positive

AM Best


Outlook: Stable

S&P Global


Outlook: Stable

Fitch Ratings


Outlook: Stable

Moody's Investors

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