Introduction to IUL

At Franklin Financial and Retirement, we believe smart financial decisions should be simple. Your future should feel secure, not stressful.

We are here to help make that happen. One way we do this is through Indexed Universal Life Insurance (IUL). It’s a smart financial tool. It offers life insurance protection. It also provides long-term growth potential.

We take a commonsense approach. We ask questions. We listen to your answers. Then we guide you to the plan that fits your needs.

What Is Indexed Universal Life Insurance (IUL)?

An IUL is a type of permanent life insurance. It gives your loved ones a death benefit. It also builds cash value over time. This type of policy doesn’t end after 10, 20, or 30 years. As long as you keep it active, your coverage stays in place for life.

IULs are linked to a market index, like the S&P 500. Your money isn’t directly invested in the market. Instead, your cash value grows based on the index’s performance.

If the market does well, your policy can grow. If the market does poorly, your policy has a safety net. You won't lose money due to market drops.

Key Benefits of an IUL

We take time to explain how IULs work. Here are the main benefits you should know:

Lifetime Protection

Coverage lasts for your entire life.
The policy stays active as long as you pay your premiums.
Your loved ones receive a tax-free death benefit.

Cash Value Growth

A portion of your premium builds cash value.
The cash value grows based on a market index.
You don’t pay taxes on this growth each year.

Market Protection

Your policy includes a “floor,” usually 0%.
If the market falls, your cash value won’t drop.
You still have a chance to benefit from market gains.

Tax Advantages

Growth in the policy is tax-deferred.
Withdrawals can be tax-free when set up properly.
Loans from the policy are usually tax-free too.

Flexible Payments

You can adjust how much you pay.
You may choose to pay more and build cash value faster.
You can lower or pause payments if needed, depending on your balance.

Easy Access to Funds

You can borrow or withdraw money from your policy.
Use the funds for anything, college, emergencies, or retirement.
There are no spending restrictions.

Who Should Consider an IUL?

An IUL isn’t for everyone. But it works well for many people. It might be right for you if:

You want life insurance that lasts a lifetime.
You’re saving for retirement and want another source of income.
You like growth potential but want protection from market losses.
You want to leave money behind for your family.
You’re looking for flexibility and tax advantages.

Your situation is unique. That’s why we take time to understand your goals before offering advice.

Why Work With Franklin Financial and Retirement?

Choosing the right insurance is important. We help make that process easier. We’re here to serve, not just sell. Our team is trained. We listen carefully. Then we explain your options in simple language.

Here’s what sets us apart:

Personalized Guidance - We tailor every recommendation to your needs.
Experienced Professionals - We know how to find the right plan for you.
Cost-Saving Solutions - We look for ways to help you save money.
Ongoing Support - We’re here for you as your life and needs change.

Our mission is to exceed your expectations. We want to earn your trust and help protect your future. We’ve helped hundreds of people understand their options. Now we’re ready to help you.

Ready to Explore Your Options?

You don’t have to figure this out on your own. We’re here to make things clear and simple. Let’s talk about your future. Let’s find out if an Indexed Universal Life policy is a good fit for your goals.

Contact Franklin Financial and Retirement today. We’ll walk you through the details. We’ll answer your questions. And we’ll help you choose the right path forward.

With the right guidance, planning your future can be simple. Let us help you do it with care, clarity, and confidence.