{"id":1577,"date":"2024-09-19T17:29:14","date_gmt":"2024-09-19T17:29:14","guid":{"rendered":"https:\/\/may.iaq.mybluehost.me\/?page_id=1577"},"modified":"2025-05-13T22:51:26","modified_gmt":"2025-05-13T22:51:26","slug":"indexed-universal-life-policies","status":"publish","type":"page","link":"https:\/\/indexeduniversallife.us\/es\/indexed-universal-life-policies\/","title":{"rendered":"P\u00f3lizas de Vida Universal Indexada"},"content":{"rendered":"<style>.kb-row-layout-id1577_b2a096-a3 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1577_b2a096-a3 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1577_b2a096-a3 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:600px;margin-left:auto;margin-right:auto;padding-top:150px;padding-right:0px;padding-bottom:120px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1577_b2a096-a3 > .kt-row-layout-overlay{opacity:0.70;background-image:url('https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2021\/04\/bg-0.png');background-size:cover;background-position:center center;background-attachment:fixed;background-repeat:no-repeat;}@media all and (max-width: 1024px), only screen and (min-device-width: 1024px) and (max-device-width: 1366px) and (-webkit-min-device-pixel-ratio: 2) and (hover: none){.kb-row-layout-id1577_b2a096-a3 > .kt-row-layout-overlay{background-attachment:scroll;}}@media all and (max-width: 1024px){.kb-row-layout-id1577_b2a096-a3 > .kt-row-column-wrap{padding-top:140px;padding-right:0px;padding-bottom:80px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1577_b2a096-a3 > .kt-row-column-wrap{padding-top:120px;padding-right:20px;padding-bottom:50px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1577_b2a096-a3 alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-normal\"><\/div><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column1577_71f821-41 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1577_71f821-41 > .kt-inside-inner-col,.kadence-column1577_71f821-41 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1577_71f821-41 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1577_71f821-41 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1577_71f821-41 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1577_71f821-41 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1577_71f821-41{position:relative;}@media all and (max-width: 1024px){.kadence-column1577_71f821-41 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1577_71f821-41 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1577_71f821-41\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1577_213253-70, .wp-block-kadence-advancedheading.kt-adv-heading1577_213253-70[data-kb-block=\"kb-adv-heading1577_213253-70\"]{margin-bottom:22.5px;text-align:center;line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1577_213253-70 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1577_213253-70[data-kb-block=\"kb-adv-heading1577_213253-70\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1577_213253-70 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1577_213253-70[data-kb-block=\"kb-adv-heading1577_213253-70\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1577_213253-70, .wp-block-kadence-advancedheading.kt-adv-heading1577_213253-70[data-kb-block=\"kb-adv-heading1577_213253-70\"]{margin-bottom:17.5px;}}<\/style>\n<h1 class=\"kt-adv-heading1577_213253-70 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1577_213253-70\">The IUL Policy<\/h1>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1577_b439c5-5e, .wp-block-kadence-advancedheading.kt-adv-heading1577_b439c5-5e[data-kb-block=\"kb-adv-heading1577_b439c5-5e\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1577_b439c5-5e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1577_b439c5-5e[data-kb-block=\"kb-adv-heading1577_b439c5-5e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1577_b439c5-5e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1577_b439c5-5e[data-kb-block=\"kb-adv-heading1577_b439c5-5e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1577_b439c5-5e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1577_b439c5-5e\">In many respects, indexed universal life (IUL) insurance is similar to traditional universal life insurance, with the key difference being how the cash value accumulates. IUL uses a unique crediting method linked to a market index to determine the growth of the cash value component.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id1577_7ca974-10 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1577_7ca974-10 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1577_7ca974-10 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:100px;padding-right:20px;padding-bottom:0px;padding-left:20px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id1577_7ca974-10 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1577_7ca974-10 > .kt-row-column-wrap{padding-top:80px;padding-right:20px;padding-bottom:0px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1577_7ca974-10 > .kt-row-column-wrap{padding-top:60px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1577_7ca974-10 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1577_9b25a7-7d > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1577_9b25a7-7d > .kt-inside-inner-col,.kadence-column1577_9b25a7-7d > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1577_9b25a7-7d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1577_9b25a7-7d > .kt-inside-inner-col{flex-direction:column;}.kadence-column1577_9b25a7-7d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1577_9b25a7-7d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1577_9b25a7-7d{position:relative;}@media all and (max-width: 1024px){.kadence-column1577_9b25a7-7d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1577_9b25a7-7d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1577_9b25a7-7d\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1577_2ec346-cb, .wp-block-kadence-advancedheading.kt-adv-heading1577_2ec346-cb[data-kb-block=\"kb-adv-heading1577_2ec346-cb\"]{line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1577_2ec346-cb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1577_2ec346-cb[data-kb-block=\"kb-adv-heading1577_2ec346-cb\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1577_2ec346-cb img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1577_2ec346-cb[data-kb-block=\"kb-adv-heading1577_2ec346-cb\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1577_2ec346-cb, .wp-block-kadence-advancedheading.kt-adv-heading1577_2ec346-cb[data-kb-block=\"kb-adv-heading1577_2ec346-cb\"]{text-align:center!important;}}<\/style>\n<h2 class=\"kt-adv-heading1577_2ec346-cb wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1577_2ec346-cb\">What Makes Indexed Universal Life Insurance Unique?<\/h2>\n\n\n\n<p class=\"\"><\/p>\n\n\n\n<p class=\"\">What sets Indexed Universal Life (IUL) insurance apart is its cash value component, which can grow based on the performance of a market index. This allows for higher \u2013 and sometimes significantly higher \u2013 returns compared to traditional universal life policies.<\/p>\n\n\n\n<p class=\"\">IUL policies usually offer both a guaranteed fixed interest rate and the indexed option. Most of these policies ensure that your cash value won&#8217;t fall below zero, or the minimum &#8220;floor,&#8221; even if the market performs poorly.<\/p>\n\n\n\n<p class=\"\">When the underlying index performs well, your cash value is credited with returns up to a stated cap rate. If the index has a negative return, your cash value remains stable with a 0% credit, meaning you don\u2019t lose any value during that period.<\/p>\n\n\n\n<p class=\"\">Depending on the insurance provider and the policy, you can choose from various market indexes for your IUL policy, such as the S&amp;P 500, Nasdaq 100, Dow Jones Industrial Average, or Russell 2000. Some IUL policies even allow you to select more than one index, offering greater flexibility.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column1577_14ca52-ff > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1577_14ca52-ff > .kt-inside-inner-col,.kadence-column1577_14ca52-ff > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1577_14ca52-ff > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1577_14ca52-ff > .kt-inside-inner-col{flex-direction:column;}.kadence-column1577_14ca52-ff > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1577_14ca52-ff > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1577_14ca52-ff{position:relative;}@media all and (max-width: 1024px){.kadence-column1577_14ca52-ff > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1577_14ca52-ff > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1577_14ca52-ff\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1577_db682d-36, .wp-block-kadence-advancedheading.kt-adv-heading1577_db682d-36[data-kb-block=\"kb-adv-heading1577_db682d-36\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1577_db682d-36 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1577_db682d-36[data-kb-block=\"kb-adv-heading1577_db682d-36\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1577_db682d-36 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1577_db682d-36[data-kb-block=\"kb-adv-heading1577_db682d-36\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading1577_db682d-36 has--font-size wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1577_db682d-36\"><strong>IUL Credit Methods: How Indexed Universal Life Insurance Earns Returns<\/strong><\/h2>\n\n\n\n<p class=\"\">Indexed Universal Life (IUL) policies use various crediting methods to grow the cash value, typically ensuring a guaranteed floor, which protects your cash value from falling below a set level, even if the index performs poorly. Here\u2019s how the crediting methods work:<\/p>\n\n\n\n<p class=\"\"><strong>Cap Rate:<\/strong><br>The cap rate is the maximum return your IUL policy can earn. If the underlying index earns 8% in a year, but your IUL has a cap rate of 7%, your cash value will be credited at 7%. This rate is set in advance for each index period.<\/p>\n\n\n\n<p class=\"\"><strong>Participation Rate:<\/strong><br>The participation rate is the percentage of the index change applied to your cash value. For instance, if the participation rate is 75% and the index gains 8%, your cash value will be credited with 6% (8% x 75%).<\/p>\n\n\n\n<p class=\"\"><strong>Spread:<\/strong><br>The spread is a deduction from the index gains before crediting the cash value. If your IUL has a 4% spread and the index grows by 9%, the policy will credit 5% (9% &#8211; 4%).<\/p>\n\n\n\n<p class=\"\"><\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1577_6b1d6e-5b{margin-top:0px;margin-bottom:90px;}.kb-row-layout-id1577_6b1d6e-5b > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1577_6b1d6e-5b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1577_6b1d6e-5b > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1577_6b1d6e-5b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1577_6b1d6e-5b > .kt-row-column-wrap{padding-top:0px;padding-right:20px;padding-bottom:0px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1577_6b1d6e-5b{margin-top:50px;margin-bottom:0px;}.kb-row-layout-id1577_6b1d6e-5b > .kt-row-column-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1577_6b1d6e-5b alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1577_4bf78b-08 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1577_4bf78b-08 > .kt-inside-inner-col,.kadence-column1577_4bf78b-08 > .kt-inside-inner-col:before{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kadence-column1577_4bf78b-08 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1577_4bf78b-08 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1577_4bf78b-08 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1577_4bf78b-08 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1577_4bf78b-08{position:relative;}.kadence-column1577_4bf78b-08, .kt-inside-inner-col > .kadence-column1577_4bf78b-08:not(.specificity){margin-right:var(--global-kb-spacing-sm, 1.5rem);margin-left:var(--global-kb-spacing-xs, 1rem);}@media all and (max-width: 1024px){.kadence-column1577_4bf78b-08 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1577_4bf78b-08 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1577_4bf78b-08\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id1577_6f447a-7c > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1577_6f447a-7c > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1577_6f447a-7c > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:1140px;margin-left:auto;margin-right:auto;padding-top:50px;padding-right:60px;padding-bottom:50px;padding-left:60px;grid-template-columns:minmax(0, calc(29.6% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(70.4% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id1577_6f447a-7c{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;overflow:clip;isolation:isolate;}.kb-row-layout-id1577_6f447a-7c > .kt-row-layout-overlay{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;}.kb-row-layout-id1577_6f447a-7c > .kt-row-layout-overlay{opacity:1;background:linear-gradient(300deg, var(--global-palette1) 0%, var(--global-palette2) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id1577_6f447a-7c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1577_6f447a-7c{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id1577_6f447a-7c > .kt-row-column-wrap{padding-top:34px;padding-right:34px;padding-bottom:34px;padding-left:34px;grid-template-columns:minmax(0, 1fr);}}.kb-row-layout-id1577_6f447a-7c .quote-style { position: absolute; left: 50px; top: 35px;}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1577_6f447a-7c alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column1577_e66539-f3 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1577_e66539-f3 > .kt-inside-inner-col,.kadence-column1577_e66539-f3 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1577_e66539-f3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1577_e66539-f3 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1577_e66539-f3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1577_e66539-f3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1577_e66539-f3{position:relative;}@media all and (max-width: 1024px){.kadence-column1577_e66539-f3 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:40px;padding-left:0px;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1577_e66539-f3 > .kt-inside-inner-col{padding-top:20px;padding-right:30px;padding-bottom:30px;padding-left:30px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1577_e66539-f3\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1577_99ac99-ad, .wp-block-kadence-advancedheading.kt-adv-heading1577_99ac99-ad[data-kb-block=\"kb-adv-heading1577_99ac99-ad\"]{margin-top:-20px;margin-right:-50px;margin-bottom:0px;margin-left:-20px;text-align:center;font-size:9em;line-height:1em;font-weight:600;font-style:italic;font-family:Jost;text-transform:uppercase;text-shadow:0px 0px 22px rgba(27,0,79,0.11);}.wp-block-kadence-advancedheading.kt-adv-heading1577_99ac99-ad mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1577_99ac99-ad[data-kb-block=\"kb-adv-heading1577_99ac99-ad\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1577_99ac99-ad img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1577_99ac99-ad[data-kb-block=\"kb-adv-heading1577_99ac99-ad\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1577_99ac99-ad, .wp-block-kadence-advancedheading.kt-adv-heading1577_99ac99-ad[data-kb-block=\"kb-adv-heading1577_99ac99-ad\"]{text-shadow:0px 0px 22px rgba(27,0,79,0.11);font-size:8em;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading1577_99ac99-ad, .wp-block-kadence-advancedheading.kt-adv-heading1577_99ac99-ad[data-kb-block=\"kb-adv-heading1577_99ac99-ad\"]{margin-top:-20px;margin-right:0px;margin-bottom:-50px;margin-left:-20px;text-shadow:0px 0px 22px rgba(27,0,79,0.11);font-size:6em;}}<\/style>\n<p class=\"kt-adv-heading1577_99ac99-ad quote-style wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading1577_99ac99-ad\">&#8220;<\/p>\n\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box1577_32d4e6-d0 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box1577_32d4e6-d0 .kt-blocks-info-box-link-wrap{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:rgba(242, 242, 242, 0);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box1577_32d4e6-d0 .kt-blocks-info-box-link-wrap:hover{background:rgba(242, 242, 242, 0);}.kt-info-box1577_32d4e6-d0.wp-block-kadence-infobox{max-width:100%;}.kt-info-box1577_32d4e6-d0 .kadence-info-box-image-inner-intrisic-container{max-width:250px;}.kt-info-box1577_32d4e6-d0 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:100%;width:500px;height:0px;max-width:100%;}.kt-info-box1577_32d4e6-d0 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box1577_32d4e6-d0 .kt-info-svg-icon-flip, .kt-info-box1577_32d4e6-d0 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box1577_32d4e6-d0 .kt-blocks-info-box-media{color:#444444;background:transparent;border-color:#444444;border-radius:20px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box1577_32d4e6-d0 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.kt-info-box1577_32d4e6-d0 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:#444444;background:transparent;border-color:#444444;}.kt-info-box1577_32d4e6-d0 .kt-infobox-textcontent h2.kt-blocks-info-box-title{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:5px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box1577_32d4e6-d0 .kt-infobox-textcontent .kt-blocks-info-box-text{color:#555555;}.kt-info-box1577_32d4e6-d0 .kt-blocks-info-box-learnmore{background:transparent;border-color:#555555;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box1577_32d4e6-d0 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-learnmore,.kt-info-box1577_32d4e6-d0 .kt-blocks-info-box-link-wrap .kt-blocks-info-box-learnmore:focus{color:#ffffff;background:#444444;border-color:#444444;}@media all and (max-width: 1024px){.kt-info-box1577_32d4e6-d0 .kt-blocks-info-box-link-wrap{text-align:center;}}@media all and (max-width: 767px){.kt-info-box1577_32d4e6-d0 .kt-blocks-info-box-link-wrap{text-align:center;}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box1577_32d4e6-d0\"><span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center kb-info-tablet-halign-center kb-info-mobile-halign-center\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2021\/04\/brandy-kennedy-yhpw4-3xX7I-unsplash-1.jpg\" alt=\"\" width=\"500\" height=\"500\" class=\"kt-info-box-image wp-image-359\" srcset=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2021\/04\/brandy-kennedy-yhpw4-3xX7I-unsplash-1.jpg 500w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2021\/04\/brandy-kennedy-yhpw4-3xX7I-unsplash-1-300x300.jpg 300w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2021\/04\/brandy-kennedy-yhpw4-3xX7I-unsplash-1-150x150.jpg 150w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><\/div><\/span><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column1577_a5ebb2-ea > .kt-inside-inner-col{display:flex;}.kadence-column1577_a5ebb2-ea > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1577_a5ebb2-ea > .kt-inside-inner-col,.kadence-column1577_a5ebb2-ea > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1577_a5ebb2-ea > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1577_a5ebb2-ea > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1577_a5ebb2-ea > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1577_a5ebb2-ea{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1577_a5ebb2-ea{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1577_a5ebb2-ea > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1577_a5ebb2-ea > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1577_a5ebb2-ea{position:relative;}@media all and (max-width: 1024px){.kadence-column1577_a5ebb2-ea > .kt-inside-inner-col{padding-top:0px;padding-right:60px;padding-bottom:0px;padding-left:60px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column1577_a5ebb2-ea{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1577_a5ebb2-ea{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1577_a5ebb2-ea > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1577_a5ebb2-ea > .kt-inside-inner-col{padding-top:10px;padding-right:0px;padding-bottom:40px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column1577_a5ebb2-ea{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1577_a5ebb2-ea{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1577_a5ebb2-ea > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1577_a5ebb2-ea\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-icon.kt-svg-icons1577_ebd6fa-5e{justify-content:center;}@media all and (max-width: 1024px){.wp-block-kadence-icon.kt-svg-icons1577_ebd6fa-5e{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-icon.kt-svg-icons1577_ebd6fa-5e{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-icon kt-svg-icons kt-svg-icons1577_ebd6fa-5e alignnone\"><style>.kt-svg-item-1577_49508e-dd .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1577_49508e-dd .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1577_49508e-dd\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-1577_8bfa69-4f .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1577_8bfa69-4f .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1577_8bfa69-4f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-1577_66113e-a3 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1577_66113e-a3 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1577_66113e-a3\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-1577_28c690-96 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1577_28c690-96 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1577_28c690-96\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-1577_860297-29 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1577_860297-29 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1577_860297-29\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n<\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1577_cc57a5-41, .wp-block-kadence-advancedheading.kt-adv-heading1577_cc57a5-41[data-kb-block=\"kb-adv-heading1577_cc57a5-41\"]{margin-top:20px;margin-bottom:23.5px;line-height:1em;font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading1577_cc57a5-41 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1577_cc57a5-41[data-kb-block=\"kb-adv-heading1577_cc57a5-41\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1577_cc57a5-41 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1577_cc57a5-41[data-kb-block=\"kb-adv-heading1577_cc57a5-41\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1577_cc57a5-41, .wp-block-kadence-advancedheading.kt-adv-heading1577_cc57a5-41[data-kb-block=\"kb-adv-heading1577_cc57a5-41\"]{text-align:center!important;}}<\/style>\n<h3 class=\"kt-adv-heading1577_cc57a5-41 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading1577_cc57a5-41\">Get personalized quotes \u2014 Free, No-Obligation IUL Quote: Enter Info, Calculate A Deposit In 5 Min, Talk To An Agent. It Costs $0 To Run The Numbers &amp; Calculate A Recurring Deposit. No-Obligation IUL Estimate In 5 Min.<\/h3>\n\n\n<style>.wp-block-kadence-advancedbtn.kt-btns1577_c11b8a-ba, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns1577_c11b8a-ba, .wp-block-kadence-advancedbtn.kb-btns1577_c11b8a-ba, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns1577_c11b8a-ba{margin-top:40px;margin-right:0px;margin-bottom:-5px;margin-left:0px;}.wp-block-kadence-advancedbtn.kb-btns1577_c11b8a-ba{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-start;align-items:center;}.kt-btns1577_c11b8a-ba .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns1577_c11b8a-ba{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns1577_c11b8a-ba\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn1577_76014d-8d.kb-button{width:initial;}<\/style><a class=\"kb-button kt-button button kb-btn1577_76014d-8d kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-button__link wp-block-kadence-singlebtn\" href=\"\/getstarted\/\"><span class=\"kt-btn-inner-text\">Get Started<\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1577_ee4102-1b{margin-top:60px;margin-bottom:0px;}.kb-row-layout-id1577_ee4102-1b > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id1577_ee4102-1b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id1577_ee4102-1b > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:60px;padding-right:20px;padding-bottom:99px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1577_ee4102-1b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1577_ee4102-1b > .kt-row-column-wrap{padding-top:40px;padding-right:30px;padding-bottom:30px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1577_ee4102-1b > .kt-row-column-wrap{padding-top:20px;padding-right:20px;padding-bottom:70px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1577_ee4102-1b alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle kb-theme-content-width\">\n<style>.kadence-column1577_cdd99a-5e > .kt-inside-inner-col{display:flex;}.kadence-column1577_cdd99a-5e > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1577_cdd99a-5e > .kt-inside-inner-col,.kadence-column1577_cdd99a-5e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1577_cdd99a-5e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1577_cdd99a-5e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1577_cdd99a-5e > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1577_cdd99a-5e{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1577_cdd99a-5e{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1577_cdd99a-5e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1577_cdd99a-5e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1577_cdd99a-5e{position:relative;}.kadence-column1577_cdd99a-5e, .kt-inside-inner-col > .kadence-column1577_cdd99a-5e:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column1577_cdd99a-5e > .kt-inside-inner-col{padding-top:60px;padding-right:40px;padding-bottom:80px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column1577_cdd99a-5e{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1577_cdd99a-5e{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1577_cdd99a-5e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column1577_cdd99a-5e, .kt-inside-inner-col > .kadence-column1577_cdd99a-5e:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1577_cdd99a-5e > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column1577_cdd99a-5e{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1577_cdd99a-5e{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1577_cdd99a-5e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1577_cdd99a-5e, .kt-inside-inner-col > .kadence-column1577_cdd99a-5e:not(.specificity){margin-top:40px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1577_cdd99a-5e\"><div class=\"kt-inside-inner-col\">\n<p class=\"\"><strong>Floor:<\/strong><br>A key feature of IUL policies is the floor, which sets a minimum guaranteed interest rate. For example, if your policy has a 0% floor, even in a poor market year, your cash value won\u2019t earn less than 0%, safeguarding it against losses.<\/p>\n\n\n\n<p class=\"\"><strong>Reset Feature:<\/strong><br>The reset feature locks in gains each year, ensuring that once credited, those gains cannot be lost due to future market downturns. This allows for compounding growth, causing the cash value to steadily rise over time, much like a staircase, regardless of market fluctuations.<\/p>\n\n\n\n<p class=\"\"><strong>No Direct Market Participation:<\/strong><br>Although the cash value of an IUL can earn returns similar to the market, it is not directly invested in the stock market. This provides market-like growth potential with less exposure to risk.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id1577_110c3f-d9 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1577_110c3f-d9 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1577_110c3f-d9 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-right:0px;padding-bottom:80px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1577_110c3f-d9 > .kt-row-layout-overlay{opacity:0.50;}@media all and (max-width: 1024px){.kb-row-layout-id1577_110c3f-d9 > .kt-row-column-wrap{padding-top:70px;padding-right:40px;padding-bottom:70px;padding-left:40px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1577_110c3f-d9 > .kt-row-column-wrap{padding-top:70px;padding-right:20px;padding-bottom:70px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1577_110c3f-d9 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1577_b1c8c1-e0 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1577_b1c8c1-e0 > .kt-inside-inner-col,.kadence-column1577_b1c8c1-e0 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1577_b1c8c1-e0 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1577_b1c8c1-e0 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1577_b1c8c1-e0 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1577_b1c8c1-e0 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1577_b1c8c1-e0{position:relative;}@media all and (max-width: 1024px){.kadence-column1577_b1c8c1-e0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1577_b1c8c1-e0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1577_b1c8c1-e0\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id1577_9b0a69-a1 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1577_9b0a69-a1 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1577_9b0a69-a1 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:600px;margin-left:auto;margin-right:auto;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1577_9b0a69-a1 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1577_9b0a69-a1 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1577_9b0a69-a1 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1577_9b0a69-a1 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column1577_1a2b55-ef > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column1577_1a2b55-ef > .kt-inside-inner-col,.kadence-column1577_1a2b55-ef > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1577_1a2b55-ef > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1577_1a2b55-ef > .kt-inside-inner-col{flex-direction:column;}.kadence-column1577_1a2b55-ef > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1577_1a2b55-ef > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1577_1a2b55-ef{position:relative;}@media all and (max-width: 1024px){.kadence-column1577_1a2b55-ef > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1577_1a2b55-ef > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1577_1a2b55-ef\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1577_6f7b8a-7c, .wp-block-kadence-advancedheading.kt-adv-heading1577_6f7b8a-7c[data-kb-block=\"kb-adv-heading1577_6f7b8a-7c\"]{margin-bottom:40px;text-align:center;line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1577_6f7b8a-7c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1577_6f7b8a-7c[data-kb-block=\"kb-adv-heading1577_6f7b8a-7c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1577_6f7b8a-7c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1577_6f7b8a-7c[data-kb-block=\"kb-adv-heading1577_6f7b8a-7c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading1577_6f7b8a-7c wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1577_6f7b8a-7c\">Top-rated insurance companies offering Indexed Universal Life (IUL) policies<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1577_04c255-09, .wp-block-kadence-advancedheading.kt-adv-heading1577_04c255-09[data-kb-block=\"kb-adv-heading1577_04c255-09\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1577_04c255-09 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1577_04c255-09[data-kb-block=\"kb-adv-heading1577_04c255-09\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1577_04c255-09 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1577_04c255-09[data-kb-block=\"kb-adv-heading1577_04c255-09\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1577_04c255-09 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1577_04c255-09\">A professional licensed insurance agent&#8217;s role is to assist you in selecting an appropriate provider and customizing a policy to meet your specific needs.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.wp-block-kadence-advancedgallery.kb-gallery-wrap-id-1577_dd3bac-43{padding-right:var(--global-kb-spacing-xl, 4rem);padding-left:var(--global-kb-spacing-xl, 4rem);}.wp-block-kadence-advancedgallery.kb-gallery-wrap-id-1577_dd3bac-43{overflow:hidden;}.kb-gallery-id-1577_dd3bac-43 .kadence-blocks-gallery-item .kb-gal-image-radius, .kb-gallery-id-1577_dd3bac-43 .kb-slide-item .kb-gal-image-radius img{border-radius:0px 0px 0px 0px;;}.kb-gallery-wrap-id-1577_dd3bac-43.wp-block-kadence-advancedgallery{overflow:visible;}.kb-gallery-wrap-id-1577_dd3bac-43.wp-block-kadence-advancedgallery .kt-blocks-carousel{overflow:visible;}<\/style><div class=\"kb-gallery-wrap-id-1577_dd3bac-43 alignnone wp-block-kadence-advancedgallery\"><div class=\"kb-gallery-ul kb-gallery-non-static kb-gallery-type-carousel kb-gallery-id-1577_dd3bac-43 kb-gallery-caption-style-bottom-hover kb-gallery-filter-none\" data-image-filter=\"none\" data-lightbox-caption=\"true\"><div class=\"kt-blocks-carousel splide kt-carousel-container-dotstyle-dark kt-carousel-arrowstyle-none kt-carousel-dotstyle-dark kb-slider-group-arrow kb-slider-arrow-position-center\" data-columns-xxl=\"5\" data-columns-xl=\"5\" data-columns-md=\"3\" data-columns-sm=\"3\" data-columns-xs=\"2\" data-columns-ss=\"2\" data-slider-anim-speed=\"500\" data-slider-scroll=\"1\" data-slider-arrows=\"false\" data-slider-dots=\"true\" data-slider-hover-pause=\"false\" data-slider-auto=\"1\" data-slider-speed=\"5000\" data-slider-gap=\"20px\" data-slider-gap-tablet=\"20px\" data-slider-gap-mobile=\"20px\" data-show-pause-button=\"false\" data-slider-label=\"Photo Gallery Carousel\"><div class=\"splide__track\"><ul class=\"kt-blocks-carousel-init kb-gallery-carousel splide__list\"><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-inherit kb-has-image-ratio-inherit\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21.png\" width=\"177\" height=\"100\" alt=\"\" data-full-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21.png\" data-light-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21.png\" data-id=\"1394\" class=\"wp-image-1394 skip-lazy\"\/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-inherit kb-has-image-ratio-inherit\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-1.png\" width=\"177\" height=\"100\" alt=\"\" data-full-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-1.png\" data-light-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-1.png\" data-id=\"1396\" class=\"wp-image-1396 skip-lazy\"\/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-inherit kb-has-image-ratio-inherit\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-2.png\" width=\"177\" height=\"100\" alt=\"\" data-full-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-2.png\" data-light-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-2.png\" data-id=\"1399\" class=\"wp-image-1399 skip-lazy\"\/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-inherit kb-has-image-ratio-inherit\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-3.png\" width=\"177\" height=\"100\" alt=\"\" data-full-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-3.png\" data-light-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-3.png\" data-id=\"1401\" class=\"wp-image-1401 skip-lazy\"\/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-inherit kb-has-image-ratio-inherit\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-4.png\" width=\"177\" height=\"100\" alt=\"\" data-full-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-4.png\" data-light-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-4.png\" data-id=\"1403\" class=\"wp-image-1403 skip-lazy\"\/><\/div><\/div><\/figure><\/div><\/div><\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>The IUL Policy In many respects, indexed universal life (IUL) insurance is similar to traditional universal life insurance, with the key difference being how the cash value accumulates. IUL uses a unique crediting method linked to a market index to determine the growth of the cash value component. What Makes Indexed Universal Life Insurance Unique?&#8230;<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_kadence_starter_templates_imported_post":true,"_kad_post_transparent":"","_kad_post_title":"hide","_kad_post_layout":"fullwidth","_kad_post_sidebar_id":"","_kad_post_content_style":"unboxed","_kad_post_vertical_padding":"hide","_kad_post_feature":"hide","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-1577","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Makes Indexed Universal Life Insurance Unique?<\/title>\n<meta name=\"description\" content=\"In many respects, indexed universal life (IUL) insurance is similar to traditional universal life insurance, with the key difference being how the cash value accumulates. 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