Indexed universal life built for flexibility over decades.

How IUL works

An IUL policy has a death benefit, an account value, and ongoing policy charges. Premiums are flexible within limits; underfunding a policy can cause it to lapse. Overfunding may be constrained by tax rules such as MEC testing—another reason tax counsel matters.

• Permanent coverage with flexible premium design
• Index-linked crediting with caps, spreads, or participation rates
• Floors that can limit downside for a crediting period (product-specific)
• Adjustable death benefit options on many contracts
• Requires ongoing monitoring so funding stays adequate

Who IUL is often for

IUL can suit clients who want permanent protection, appreciate upside participation within contractual limits, and have the cash-flow discipline to fund the policy appropriately over time.

• Households wanting permanence with premium flexibility
• Clients comfortable with illustrated vs. actual performance differences
• Executives coordinating coverage with long careers and evolving income
• Families exploring permanent insurance alongside retirement income products
• People who will engage in ongoing policy reviews—not set-and-forget

How Stead Life approaches IUL

We stress-test assumptions: what happens if caps decline, if crediting is modest for a decade, or if funding pauses during a career transition. Longevity makes those scenarios more—not less—important.

Boundaries and practical limits

IUL is not a securities account and does not invest you directly in the index. Past index performance and hypothetical illustrations do not predict future results. Policy charges and index parameters can change within contractual rights.