Growth, protection, and tax efficiency.
An IUL gives you lifelong life insurance plus cash value that can grow based on a market index — without the downside risk of being directly in the market.
Built for clarity.
Indexed Universal Life is a permanent life insurance policy with a cash value component tied to the performance of a market index (such as the S&P 500). Gains are credited up to a cap; losses are floored at zero. Cash value can be accessed via tax-advantaged loans.
Designed for you.
- High earners looking for tax-advantaged growth
- Families wanting permanent protection plus cash value
- Business owners planning legacy or buy-sell strategies
- Anyone supplementing retirement beyond a 401(k) or IRA
Why families choose New Generation.
Tax-deferred cash-value growth
Tax-advantaged access via policy loans
Downside protection with index-linked upside
Permanent death benefit
Optional living benefits (critical/chronic illness)
No IRS contribution limits like qualified plans
Request your free consultation.
Share a few details and a licensed New Generation advisor will reach out at your preferred time. No pressure. No obligation.
Questions, answered.
Is an IUL an investment?+
No. It is a permanent life insurance policy with a cash value component linked to an index. Insurance, not securities.
How is growth credited?+
Returns are credited based on the index's performance, subject to caps, participation rates, and a 0% floor.
Can I access the cash value?+
Yes — typically via tax-advantaged policy loans or withdrawals, subject to policy terms.
Is this right for everyone?+
No. IULs work best when properly funded over time and matched to specific goals. New Generation tailors design to your needs.