Indexed Universal Life (IUL)

Universal life whose cash value growth is tied (with caps and floors) to a market index. Upside potential, downside guardrails.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.