Indexed Universal Life (IUL) Insurance is designed for individuals who want long-term protection with the added advantage of cash value growth tied to market performance. It offers flexible premiums, lifelong coverage, and a way to build tax-advantaged savings without the high risk of traditional investments. With the right structure, an IUL can become one of the most powerful financial tools for retirement planning, wealth protection, and family security.

Many families choose IUL policies because they provide the opportunity to benefit from market gains while limiting exposure to market losses. Your cash value grows based on an index such as the S&P 500, but it never decreases due to market downturns. This balance between growth potential and protection makes IUL insurance appealing for anyone looking to protect their loved ones and build long-term financial stability.

At Foxworth Insurance Agency, we take time to understand your goals. Whether you're planning for retirement, looking to supplement your income later in life, or simply want strong life insurance coverage with growth potential, we guide you through every step so your policy supports your long-term financial strategy.

An Indexed Universal Life policy is a type of permanent life insurance that provides a death benefit along with a cash value component that grows over time. Unlike whole life insurance, the growth is tied to a market index. This gives you greater potential for returns, but your gains are also limited by a cap rate. The advantage is that your cash value is protected by a guaranteed floor, so it does not lose value during market declines.
This structure allows you to enjoy market-linked growth while maintaining stability and long-term protection. The policy also provides flexibility in how you adjust your premiums and death benefit as your financial situation evolves.