{"id":2995,"date":"2024-10-08T15:16:30","date_gmt":"2024-10-08T15:16:30","guid":{"rendered":"https:\/\/may.iaq.mybluehost.me\/?page_id=2995"},"modified":"2025-06-12T17:26:56","modified_gmt":"2025-06-12T17:26:56","slug":"curch-faith-ministries-iul","status":"publish","type":"page","link":"https:\/\/indexeduniversallife.us\/es\/curch-faith-ministries-iul\/","title":{"rendered":"Church Indexed Universal Life Insurance"},"content":{"rendered":"<style>.kb-row-layout-id2995_484949-a8 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2995_484949-a8 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2995_484949-a8 > .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-id2995_484949-a8 > .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-id2995_484949-a8 > .kt-row-layout-overlay{background-attachment:scroll;}}@media all and (max-width: 1024px){.kb-row-layout-id2995_484949-a8 > .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-id2995_484949-a8 > .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-id2995_484949-a8 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-column2995_3d47ef-f1 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_3d47ef-f1 > .kt-inside-inner-col,.kadence-column2995_3d47ef-f1 > .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-column2995_3d47ef-f1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_3d47ef-f1 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2995_3d47ef-f1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2995_3d47ef-f1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_3d47ef-f1{position:relative;}@media all and (max-width: 1024px){.kadence-column2995_3d47ef-f1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2995_3d47ef-f1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column2995_3d47ef-f1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2995_e70fb4-55, .wp-block-kadence-advancedheading.kt-adv-heading2995_e70fb4-55[data-kb-block=\"kb-adv-heading2995_e70fb4-55\"]{margin-bottom:22.5px;text-align:center;line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2995_e70fb4-55 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2995_e70fb4-55[data-kb-block=\"kb-adv-heading2995_e70fb4-55\"] 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-heading2995_e70fb4-55 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2995_e70fb4-55[data-kb-block=\"kb-adv-heading2995_e70fb4-55\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading2995_e70fb4-55, .wp-block-kadence-advancedheading.kt-adv-heading2995_e70fb4-55[data-kb-block=\"kb-adv-heading2995_e70fb4-55\"]{margin-bottom:17.5px;}}<\/style>\n<h1 class=\"kt-adv-heading2995_e70fb4-55 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2995_e70fb4-55\">Church &amp; Ministries Tax-Optimization + Protection<\/h1>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2995_e609f5-6d, .wp-block-kadence-advancedheading.kt-adv-heading2995_e609f5-6d[data-kb-block=\"kb-adv-heading2995_e609f5-6d\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2995_e609f5-6d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2995_e609f5-6d[data-kb-block=\"kb-adv-heading2995_e609f5-6d\"] 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-heading2995_e609f5-6d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2995_e609f5-6d[data-kb-block=\"kb-adv-heading2995_e609f5-6d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2995_e609f5-6d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2995_e609f5-6d\">An IUL is a financial instrument and a life insurance policy all in one. If you serve or lead a ministry, your biggest expense is taxation. Discover how you can protect your congregation, optimize your taxes, and safeguard them from every eventuality with cash value life insurance.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2995_876923-4a > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id2995_876923-4a > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id2995_876923-4a > .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:120px;padding-right:0px;padding-bottom:30px;padding-left:0px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id2995_876923-4a > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2995_876923-4a > .kt-row-column-wrap{padding-top:90px;padding-right:30px;padding-bottom:0px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2995_876923-4a > .kt-row-column-wrap{padding-top:0px;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-id2995_876923-4a 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-middle kb-theme-content-width\">\n<style>.kadence-column2995_3f9256-93 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_3f9256-93 > .kt-inside-inner-col,.kadence-column2995_3f9256-93 > .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-column2995_3f9256-93 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_3f9256-93 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2995_3f9256-93 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2995_3f9256-93 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_3f9256-93{position:relative;}.kadence-column2995_3f9256-93, .kt-inside-inner-col > .kadence-column2995_3f9256-93:not(.specificity){margin-top:0px;margin-right:100px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column2995_3f9256-93 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column2995_3f9256-93, .kt-inside-inner-col > .kadence-column2995_3f9256-93:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2995_3f9256-93 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kadence-column2995_3f9256-93, .kt-inside-inner-col > .kadence-column2995_3f9256-93:not(.specificity){margin-top:70px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column2995_3f9256-93\"><div class=\"kt-inside-inner-col\"><div class=\"wp-block-image dots-style-abt1\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1036\" height=\"691\" loading=\"lazy\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/cdn.thrivent.jpg\" alt=\"\" class=\"wp-image-2996\" style=\"width:597px;height:auto\" srcset=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/cdn.thrivent.jpg 1036w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/cdn.thrivent-300x200.jpg 300w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/cdn.thrivent-1024x683.jpg 1024w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/cdn.thrivent-768x512.jpg 768w\" sizes=\"auto, (max-width: 1036px) 100vw, 1036px\" \/><\/figure>\n<\/div><\/div><\/div>\n\n\n<style>.kadence-column2995_c94760-12 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_c94760-12 > .kt-inside-inner-col,.kadence-column2995_c94760-12 > .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-column2995_c94760-12 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_c94760-12 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2995_c94760-12 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2995_c94760-12 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_c94760-12{position:relative;}.kadence-column2995_c94760-12, .kt-inside-inner-col > .kadence-column2995_c94760-12:not(.specificity){margin-top:0px;margin-right:120px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column2995_c94760-12 > .kt-inside-inner-col{padding-top:50px;padding-right:40px;padding-bottom:70px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column2995_c94760-12, .kt-inside-inner-col > .kadence-column2995_c94760-12:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2995_c94760-12 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kadence-column2995_c94760-12, .kt-inside-inner-col > .kadence-column2995_c94760-12:not(.specificity){margin-top:30px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column2995_c94760-12\"><div class=\"kt-inside-inner-col\">\n<p class=\"\"><strong>Family, Faith and Indexed Universal Life Insurance<\/strong><\/p>\n\n\n\n<p class=\"\">Faith, protection, and finances go hand-in-hand. Indexed Universal Life (IUL) has the potential to change lives, impact ministries, and secure the financial future of congregations.<\/p>\n\n\n\n<p class=\"\">An IUL is mainly a life insurance product that offers living benefits , meaning it protects a person in case they dont die but get critically, terminally  or cronically ill. It also shiled funds against liens and legal judgemnet and garnishment orders.<\/p>\n\n\n\n<p class=\"\">It can be applied for by a Key person in a ministry or any service member and employees intrested in extending this protection to thier families. <\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2995_b707fb-ea > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id2995_b707fb-ea > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id2995_b707fb-ea > .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-right:0px;padding-bottom:30px;padding-left:0px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id2995_b707fb-ea > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2995_b707fb-ea > .kt-row-column-wrap{padding-top:90px;padding-right:30px;padding-bottom:0px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2995_b707fb-ea > .kt-row-column-wrap{padding-top:0px;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-id2995_b707fb-ea 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-middle kb-theme-content-width\">\n<style>.kadence-column2995_b2e2d2-50 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_b2e2d2-50 > .kt-inside-inner-col,.kadence-column2995_b2e2d2-50 > .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-column2995_b2e2d2-50 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_b2e2d2-50 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2995_b2e2d2-50 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2995_b2e2d2-50 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_b2e2d2-50{position:relative;}.kadence-column2995_b2e2d2-50, .kt-inside-inner-col > .kadence-column2995_b2e2d2-50:not(.specificity){margin-top:0px;margin-right:100px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column2995_b2e2d2-50 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column2995_b2e2d2-50, .kt-inside-inner-col > .kadence-column2995_b2e2d2-50:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2995_b2e2d2-50 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kadence-column2995_b2e2d2-50, .kt-inside-inner-col > .kadence-column2995_b2e2d2-50:not(.specificity){margin-top:70px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column2995_b2e2d2-50\"><div class=\"kt-inside-inner-col\"><div class=\"wp-block-image dots-style-abt1\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1440\" height=\"1008\" loading=\"lazy\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/IUL-1.png\" alt=\"\" class=\"wp-image-1841\" style=\"width:601px;height:auto\" srcset=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/IUL-1.png 1440w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/IUL-1-300x210.png 300w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/IUL-1-1024x717.png 1024w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/IUL-1-768x538.png 768w\" sizes=\"auto, (max-width: 1440px) 100vw, 1440px\" \/><\/figure>\n<\/div><\/div><\/div>\n\n\n<style>.kadence-column2995_aed9d6-b9 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_aed9d6-b9 > .kt-inside-inner-col,.kadence-column2995_aed9d6-b9 > .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-column2995_aed9d6-b9 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_aed9d6-b9 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2995_aed9d6-b9 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2995_aed9d6-b9 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_aed9d6-b9{position:relative;}.kadence-column2995_aed9d6-b9, .kt-inside-inner-col > .kadence-column2995_aed9d6-b9:not(.specificity){margin-top:0px;margin-right:120px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column2995_aed9d6-b9 > .kt-inside-inner-col{padding-top:50px;padding-right:40px;padding-bottom:70px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column2995_aed9d6-b9, .kt-inside-inner-col > .kadence-column2995_aed9d6-b9:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2995_aed9d6-b9 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kadence-column2995_aed9d6-b9, .kt-inside-inner-col > .kadence-column2995_aed9d6-b9:not(.specificity){margin-top:30px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column2995_aed9d6-b9\"><div class=\"kt-inside-inner-col\">\n<p class=\"\">IULs are also a tax-proviledged financial tool for accumulating savings for retirement but also for any means. Infact IULs are offered in flexible plans that enables policy owners to vary the ammount of contribution and wodrwals witout penalties.<\/p>\n\n\n\n<p class=\"\">In general people chart of account would show tatt the biggest expesnes in in ministries is taxation. An IUL thanks to a recently passed legislataion named Employee Retirement Income Security Act (ERISA) benefits from special treatment in the taxation end enables for IUL on contrary to other retirement vehicles like 401K and IRAs not to have a maximum contribution per year. So the policy size can ammount to any ammounts without limitation and maximize earning form paid intrests. IUL link their cash value growth to market-based indexes, such as the S&amp;P 500 or NASDAQ 100, in addition to a fixed account.<\/p>\n\n\n\n<p class=\"\"><\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2995_e701c2-31 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id2995_e701c2-31 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id2995_e701c2-31 > .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-right:0px;padding-bottom:30px;padding-left:0px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id2995_e701c2-31 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2995_e701c2-31 > .kt-row-column-wrap{padding-top:90px;padding-right:30px;padding-bottom:0px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2995_e701c2-31 > .kt-row-column-wrap{padding-top:0px;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-id2995_e701c2-31 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-middle kb-theme-content-width\">\n<style>.kadence-column2995_3d1648-cf > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_3d1648-cf > .kt-inside-inner-col,.kadence-column2995_3d1648-cf > .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-column2995_3d1648-cf > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_3d1648-cf > .kt-inside-inner-col{flex-direction:column;}.kadence-column2995_3d1648-cf > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2995_3d1648-cf > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_3d1648-cf{position:relative;}.kadence-column2995_3d1648-cf, .kt-inside-inner-col > .kadence-column2995_3d1648-cf:not(.specificity){margin-top:0px;margin-right:100px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column2995_3d1648-cf > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column2995_3d1648-cf, .kt-inside-inner-col > .kadence-column2995_3d1648-cf:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2995_3d1648-cf > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kadence-column2995_3d1648-cf, .kt-inside-inner-col > .kadence-column2995_3d1648-cf:not(.specificity){margin-top:70px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column2995_3d1648-cf\"><div class=\"kt-inside-inner-col\"><div class=\"wp-block-image dots-style-abt1\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"542\" height=\"350\" loading=\"lazy\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/church-insurance-brandon-fl.jpg\" alt=\"\" class=\"wp-image-3014\" style=\"width:601px;height:auto\" srcset=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/church-insurance-brandon-fl.jpg 542w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/church-insurance-brandon-fl-300x194.jpg 300w\" sizes=\"auto, (max-width: 542px) 100vw, 542px\" \/><\/figure>\n<\/div><\/div><\/div>\n\n\n<style>.kadence-column2995_a8f1d7-b7 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_a8f1d7-b7 > .kt-inside-inner-col,.kadence-column2995_a8f1d7-b7 > .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-column2995_a8f1d7-b7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_a8f1d7-b7 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2995_a8f1d7-b7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2995_a8f1d7-b7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_a8f1d7-b7{position:relative;}.kadence-column2995_a8f1d7-b7, .kt-inside-inner-col > .kadence-column2995_a8f1d7-b7:not(.specificity){margin-top:0px;margin-right:120px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column2995_a8f1d7-b7 > .kt-inside-inner-col{padding-top:50px;padding-right:40px;padding-bottom:70px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column2995_a8f1d7-b7, .kt-inside-inner-col > .kadence-column2995_a8f1d7-b7:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2995_a8f1d7-b7 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kadence-column2995_a8f1d7-b7, .kt-inside-inner-col > .kadence-column2995_a8f1d7-b7:not(.specificity){margin-top:30px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column2995_a8f1d7-b7\"><div class=\"kt-inside-inner-col\">\n<p class=\"\">Indexed Universal Life Insurance gives policyholders the opportunity to benefit from market-linked growth without the risk of losing value due to market downturns, unlike variable life insurance policies. With IUL, cash value is built through premium payments and the growth tied to the performance of selected indexes.<\/p>\n\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box2995_392053-f5 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box2995_392053-f5 .kt-blocks-info-box-link-wrap{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--global-palette9, #ffffff);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:20px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.kt-info-box2995_392053-f5 .kt-blocks-info-box-link-wrap:hover{background:var(--global-palette9, #ffffff);}.kt-info-box2995_392053-f5 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box2995_392053-f5 .kt-info-svg-icon-flip, .kt-info-box2995_392053-f5 .kt-blocks-info-box-number{font-size:22px;}.kt-info-box2995_392053-f5 .kt-blocks-info-box-media{color:var(--global-palette9, #ffffff);background:var(--global-palette1, #3182CE);border-color:#eeeeee;border-radius:200px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:13px;padding-right:13px;padding-bottom:13px;padding-left:13px;margin-top:0px;margin-right:13px;margin-bottom:0px;margin-left:13px;}.kt-info-box2995_392053-f5 .kt-blocks-info-box-media .kadence-info-box-image-intrisic img{border-radius:200px;}.kt-info-box2995_392053-f5 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:var(--global-palette6, #718096);background:var(--global-palette1, #3182CE);border-color:#eeeeee;}.kt-info-box2995_392053-f5 .kt-infobox-textcontent h2.kt-blocks-info-box-title{color:var(--global-palette3, #1A202C);font-size:19px;line-height:29px;font-family:Inter;font-style:normal;font-weight:700;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:5px;margin-left:0px;}.kt-info-box2995_392053-f5 .kt-infobox-textcontent .kt-blocks-info-box-text{color:#aeaeae;}.wp-block-kadence-infobox.kt-info-box2995_392053-f5 .kt-blocks-info-box-text{margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.kt-info-box2995_392053-f5 .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-box2995_392053-f5 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-learnmore,.kt-info-box2995_392053-f5 .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-box2995_392053-f5 .kt-blocks-info-box-link-wrap{text-align:left;}}@media all and (max-width: 767px){.kt-info-box2995_392053-f5 .kt-blocks-info-box-link-wrap{text-align:center;display:block;}.kt-info-box2995_392053-f5 .kt-blocks-info-box-link-wrap .kt-blocks-info-box-media{display:inline-block;max-width:100%;}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box2995_392053-f5\"><span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-left kt-info-halign-left kb-info-box-vertical-media-align-top kb-info-tablet-halign-left 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-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_fileText kt-info-svg-icon\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z\"\/><polyline points=\"14 2 14 8 20 8\"\/><line x1=\"16\" y1=\"13\" x2=\"8\" y2=\"13\"\/><line x1=\"16\" y1=\"17\" x2=\"8\" y2=\"17\"\/><polyline points=\"10 9 9 9 8 9\"\/><\/svg><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h2 class=\"kt-blocks-info-box-title\">Estimating Cash Value and Premium Costs<\/h2><p class=\"kt-blocks-info-box-text\"> IUL calculators are often used to quickly estimate cash value accumulation and monthly premium costs, helping prospective buyers better understand how IUL policies work. This article explores the use of these calculators to evaluate Indexed Universal Life Insurance and illustrates the potential growth and benefits of an IUL policy.<\/p><\/div><\/span><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2995_165794-6e > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2995_165794-6e > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2995_165794-6e > .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:110px;padding-right:0px;padding-bottom:150px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2995_165794-6e > .kt-row-layout-overlay{opacity:0.57;background-image:url('https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2021\/04\/bg-0.png');background-size:cover;background-position:center center;background-attachment:scroll;background-repeat:no-repeat;}.kb-row-layout-id2995_165794-6e .kt-row-layout-bottom-sep{height:50px;}.kb-row-layout-id2995_165794-6e .kt-row-layout-bottom-sep svg{width:100%;}.kb-row-layout-id2995_165794-6e .kt-row-layout-bottom-sep svg{fill:var(--global-palette9, #ffffff)!important;}.kb-row-layout-id2995_165794-6e .kt-row-layout-top-sep{height:70px;}.kb-row-layout-id2995_165794-6e .kt-row-layout-top-sep svg{width:100%;}.kb-row-layout-id2995_165794-6e .kt-row-layout-top-sep svg{fill:var(--global-palette9, #ffffff)!important;}@media all and (max-width: 1024px){.kb-row-layout-id2995_165794-6e > .kt-row-column-wrap{padding-top:100px;padding-right:30px;padding-bottom:90px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id2995_165794-6e .kt-row-layout-bottom-sep{height:px;}}@media all and (max-width: 1024px){.kb-row-layout-id2995_165794-6e .kt-row-layout-bottom-sep svg{width:%;}}@media all and (max-width: 767px){.kb-row-layout-id2995_165794-6e > .kt-row-column-wrap{padding-top:60px;padding-right:20px;padding-bottom:70px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2995_165794-6e .kt-row-layout-bottom-sep{height:px;}.kb-row-layout-id2995_165794-6e .kt-row-layout-bottom-sep svg{width:%;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2995_165794-6e 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-layout-top-sep kt-row-sep-type-crvri\"><svg viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\"><path d=\"M1000,0c0,0 -120.987,98 -350,98c-229.013,0 -650,-98 -650,-98l0,100l1000,0l0,-100Z\" \/><\/svg><\/div><div class=\"kt-row-layout-bottom-sep kt-row-sep-type-wavei\"><svg viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\"><path d=\"M0,40c0,0 120.077,-38.076 250,-38c129.923,0.076 345.105,78 500,78c154.895,0 250,-30 250,-30l0,50l-1000,0l0,-60Z\" \/><\/svg><\/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 kb-theme-content-width\">\n<style>.kadence-column2995_463016-8f > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_463016-8f > .kt-inside-inner-col,.kadence-column2995_463016-8f > .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-column2995_463016-8f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_463016-8f > .kt-inside-inner-col{flex-direction:column;}.kadence-column2995_463016-8f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2995_463016-8f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_463016-8f{position:relative;}@media all and (max-width: 1024px){.kadence-column2995_463016-8f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2995_463016-8f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column2995_463016-8f\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id2995_51c78d-1b > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2995_51c78d-1b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2995_51c78d-1b > .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:20px;padding-bottom:0px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2995_51c78d-1b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2995_51c78d-1b > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2995_51c78d-1b > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2995_51c78d-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-top kb-theme-content-width\">\n<style>.kadence-column2995_abd180-f2 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column2995_abd180-f2 > .kt-inside-inner-col,.kadence-column2995_abd180-f2 > .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-column2995_abd180-f2 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_abd180-f2 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2995_abd180-f2 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2995_abd180-f2 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_abd180-f2{position:relative;}@media all and (max-width: 1024px){.kadence-column2995_abd180-f2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2995_abd180-f2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column2995_abd180-f2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2995_2c23a9-0b, .wp-block-kadence-advancedheading.kt-adv-heading2995_2c23a9-0b[data-kb-block=\"kb-adv-heading2995_2c23a9-0b\"]{margin-top:0px;margin-right:0px;margin-bottom:40px;margin-left:0px;text-align:center;line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2995_2c23a9-0b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2995_2c23a9-0b[data-kb-block=\"kb-adv-heading2995_2c23a9-0b\"] 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-heading2995_2c23a9-0b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2995_2c23a9-0b[data-kb-block=\"kb-adv-heading2995_2c23a9-0b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2995_2c23a9-0b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2995_2c23a9-0b\">The Bottom Line <\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2995_a37619-4a, .wp-block-kadence-advancedheading.kt-adv-heading2995_a37619-4a[data-kb-block=\"kb-adv-heading2995_a37619-4a\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2995_a37619-4a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2995_a37619-4a[data-kb-block=\"kb-adv-heading2995_a37619-4a\"] 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-heading2995_a37619-4a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2995_a37619-4a[data-kb-block=\"kb-adv-heading2995_a37619-4a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2995_a37619-4a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2995_a37619-4a\">Finding the best IUL policy can be complex due to the many moving parts involved. Consulting an IUL expert is highly recommended to ensure you get a policy that suits your needs. By carefully evaluating insurance companies and their offerings, you\u2019ll be better equipped to select the most suitable IUL policy for your or your ministry financial goals.<\/p>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns2995_3169fd-58{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns2995_3169fd-58 .kt-button{font-weight:normal;font-style:normal;}.kt-btns2995_3169fd-58 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns2995_3169fd-58 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns2995_3169fd-58 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns2995_3169fd-58 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns2995_3169fd-58 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns2995_3169fd-58 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns2995_3169fd-58 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns2995_3169fd-58\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn2995_2b2fe3-85.kb-button{width:initial;}<\/style><a class=\"kb-button kt-button button kb-btn2995_2b2fe3-85 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=\"\/ministry-quote\/\"><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-id2995_950087-e7 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2995_950087-e7 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2995_950087-e7 > .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-id2995_950087-e7 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2995_950087-e7 > .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-id2995_950087-e7 > .kt-row-column-wrap{padding-top:60px;padding-right:30px;padding-bottom:0px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2995_950087-e7 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-column2995_e04766-8a > .kt-inside-inner-col{padding-top:10px;padding-right:40px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_e04766-8a > .kt-inside-inner-col,.kadence-column2995_e04766-8a > .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-column2995_e04766-8a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_e04766-8a > .kt-inside-inner-col{flex-direction:column;}.kadence-column2995_e04766-8a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2995_e04766-8a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_e04766-8a{position:relative;}@media all and (max-width: 1024px){.kadence-column2995_e04766-8a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2995_e04766-8a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column2995_e04766-8a\"><div class=\"kt-inside-inner-col\">\n<div id=\"calculator-container\">\n  <h2>IUL Calculator<\/h2>\n  <p>Change age and monthly contribution to simulate different results.<\/p>\n  <div>\n    <label for=\"age\">Prospect Age: <span id=\"current-age\">21<\/span><\/label>\n    <input type=\"range\" id=\"age-slider\" min=\"0\" max=\"59\" value=\"21\" \/>\n  <\/div>\n  <div>\n    <label for=\"monthly-contribution\">Deposits: $<span id=\"current-contribution\">200<\/span>\/m<\/label>\n    <input type=\"range\" id=\"contribution-slider\" min=\"100\" max=\"2000\" step=\"50\" value=\"200\" \/>\n  <\/div>\n  <canvas id=\"comparison-chart\" width=\"800\" height=\"400\"><\/canvas>\n  <div>\n    <div style=\"background-color:#82ca9d; font-size:small;\"> * IUL: 6.4% annual return with tax deferral <\/div>\n    <div style=\"background-color:#cccccc; font-size:small;\"> * CD: 2.9% annual return with taxable payments at 35% <\/div>\n  <\/div>\n<\/div>\n\n\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\n<script>\n  document.addEventListener(\"DOMContentLoaded\", function () {\n    const ageSlider = document.getElementById(\"age-slider\");\n    const contributionSlider = document.getElementById(\"contribution-slider\");\n    const currentAgeSpan = document.getElementById(\"current-age\");\n    const currentContributionSpan = document.getElementById(\"current-contribution\");\n    const ctx = document.getElementById(\"comparison-chart\").getContext(\"2d\");\n    const valueAtAge69Plus22Element = document.getElementById(\"value-at-age-69-plus-22\");\n    const valueAtAge69_95Element = document.getElementById(\"value-at-age-69-95\");\n    const cashValueAge69Element = document.getElementById(\"cash-value-age-69\");\n\n    let chart;\n\n    function calculateValues(age, monthlyContribution) {\n      const maxAge = 79;\n      const years = maxAge - age + 1;\n      const annualContribution = monthlyContribution * 12;\n      let iulValue = 0;\n      let cdValue = 0;\n      let iulValueAtAge69 = 0;\n      const labels = [];\n      const iulData = [];\n      const cdData = [];\n\n      for (let year = 0; year <= years; year++) {\n        iulValue = (iulValue + annualContribution) * 1.064;\n        const cdInterest = cdValue * 0.0290;\n        const cdTax = cdInterest * 0.35;\n        cdValue = cdValue + annualContribution + cdInterest - cdTax;\n\n        labels.push(age + year);\n        iulData.push(Math.round(iulValue));\n        cdData.push(Math.round(cdValue));\n\n        \/\/ Capture IUL value at age 69\n        if (age + year === 69) {\n          iulValueAtAge69 = iulValue;\n        }\n      }\n\n      return { labels, iulData, cdData, iulValueAtAge69 };\n    }\n\n    function showTooltipAtAge69(chartInstance) {\n      const indexAt69 = chartInstance.data.labels.indexOf(69);\n      if (indexAt69 !== -1) {\n        chartInstance.setActiveElements([{ datasetIndex: 0, index: indexAt69 }]);\n        chartInstance.tooltip.setActiveElements([{ datasetIndex: 0, index: indexAt69 }], {\n          x: chartInstance.scales.x.getPixelForValue(69),\n          y: chartInstance.scales.y.getPixelForValue(chartInstance.data.datasets[0].data[indexAt69])\n        });\n        chartInstance.update();\n      }\n    }\n\n    function updateChart(age, monthlyContribution) {\n      const { labels, iulData, cdData, iulValueAtAge69 } = calculateValues(age, monthlyContribution);\n\n      if (chart) {\n        chart.destroy();\n      }\n\n      \/\/ Apply percentage decreases for the adjusted values at age 69\n      const cashValueAdjusted = Math.round(iulValueAtAge69 * 0.6921); \/\/ 30.79% decrease\n      const deathBenefitAdjusted = Math.round(iulValueAtAge69 * 0.523); \/\/ 47.70% decrease\n      const livingBenefitsAdjusted = Math.round(iulValueAtAge69 * 0.544); \/\/ 45.56% decrease\n\n      \/\/ Display adjusted values immediately\n      cashValueAge69Element.textContent = `$${cashValueAdjusted.toLocaleString()}`;\n      valueAtAge69Plus22Element.textContent = `$${deathBenefitAdjusted.toLocaleString()}`;\n      valueAtAge69_95Element.textContent = `$${livingBenefitsAdjusted.toLocaleString()}`;\n\n      \/\/ Adjust iulData directly for the entire chart\n      const adjustedIulData = iulData.map(value => Math.round(value * 0.6921)); \/\/ Reflecting the 30.79% decrease\n\n      chart = new Chart(ctx, {\n        type: \"line\",\n        data: {\n          labels: labels,\n          datasets: [\n            {\n              label: \"IUL Cash Value\",\n              borderColor: \"#82ca9d\",\n              backgroundColor: \"rgba(130, 202, 157, 0.1)\",\n              data: adjustedIulData,\n              pointRadius: 3,\n              borderWidth: 3,\n            },\n            {\n              label: \"CD Value\",\n              borderColor: \"rgba(211, 211, 211, 1)\",\n              backgroundColor: \"rgba(211, 211, 211, 0.1)\",\n              data: cdData,\n              pointRadius: 3,\n              borderWidth: 3,\n            },\n          ],\n        },\n        options: {\n          responsive: true,\n          scales: {\n            x: {\n              title: {\n                display: true,\n                text: \"Age\",\n              },\n            },\n            y: {\n              title: {\n                display: true,\n                text: \"Value ($)\",\n              },\n              ticks: {\n                callback: function (value) {\n                  if (value >= 1000000) return `$${(value \/ 1000000).toFixed(1)}M`;\n                  if (value >= 1000) return `$${(value \/ 1000).toFixed(0)}K`;\n                  return `$${value}`;\n                },\n              },\n            },\n          },\n          plugins: {\n            tooltip: {\n              callbacks: {\n                label: function (tooltipItem) {\n                  return `${tooltipItem.dataset.label}: $${tooltipItem.raw.toLocaleString()}`;\n                },\n              },\n            },\n            legend: {\n              labels: {\n                boxWidth: 15,\n                font: {\n                  size: 14,\n                },\n              },\n            },\n          },\n        },\n      });\n\n      \/\/ Show tooltip for age 69 immediately upon creation\n      showTooltipAtAge69(chart);\n    }\n\n    \/\/ Initialize the chart on page load\n    updateChart(21, 200);\n\n    \/\/ Update chart on slider change\n    ageSlider.addEventListener(\"input\", function () {\n      currentAgeSpan.textContent = ageSlider.value;\n      updateChart(Number(ageSlider.value), Number(contributionSlider.value));\n    });\n\n    contributionSlider.addEventListener(\"input\", function () {\n      currentContributionSpan.textContent = contributionSlider.value;\n      updateChart(Number(ageSlider.value), Number(contributionSlider.value));\n    });\n  });\n<\/script>\n\n\n\n<p class=\"has-small-font-size\"><\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column2995_b72baf-85 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_b72baf-85 > .kt-inside-inner-col,.kadence-column2995_b72baf-85 > .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-column2995_b72baf-85 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_b72baf-85 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2995_b72baf-85 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2995_b72baf-85 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_b72baf-85{position:relative;}@media all and (max-width: 1024px){.kadence-column2995_b72baf-85 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2995_b72baf-85 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column2995_b72baf-85\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading has-medium-font-size\">A calculator&nbsp;that shows how much cash value you could build up including life insurance benefits.<\/h2>\n\n\n\n<p class=\"has-small-font-size\">Your policy&#8217;s cash value grow each year between a cap of 8% and a floor of 0%, averaging 6.44%. This means you never lose money and lock in gains annually with protection against market downturns. Use the sliding controls to adjust age and monthly contributions to see your potential cash value at retirement. For a personalized policy, see for how much you qualify and how much you can save.<\/p>\n\n\n\n<div style=\"background-color:#82ca9d;\">\n    <strong>Cash At Age 69:<\/strong> <span id=\"cash-value-age-69\">$0<\/span><br> (If you need cash)\n  <\/div>\n  <hr>\n  <div style=\"background-color:#ccccff;\">\n    <strong>Death Benefit:<\/strong> <span id=\"value-at-age-69-plus-22\">$0<\/span><br> (If you die too soon)\n  <\/div>\n  <hr>\n  <div style=\"background-color:#ccffff;\">\n    <strong>Living Benefits:<\/strong> <span id=\"value-at-age-69-95\">$0<\/span><br> (If you become ill)\n  <\/div>\n<\/div>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns2995_3507f6-80{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns2995_3507f6-80 .kt-button{font-weight:normal;font-style:normal;}.kt-btns2995_3507f6-80 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns2995_3507f6-80 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns2995_3507f6-80 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns2995_3507f6-80 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns2995_3507f6-80 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns2995_3507f6-80 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns2995_3507f6-80 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns2995_3507f6-80\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn2995_2b1bb5-7f.kb-button{width:initial;}<\/style><a class=\"kb-button kt-button button kb-btn2995_2b1bb5-7f 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=\"\/ministry-quote\/\"><span class=\"kt-btn-inner-text\">See If You Qualify<\/span><\/a><\/div>\n\n\n\n<p class=\"has-small-font-size\">*Tables and charts are for illustrative purposes only and do not represent any specific policy example. Please <a href=\"\/getstarted\/\">consult with a licensed agent<\/a> for a specific policy for additional information. All guarantees and contractual obligations are solely based on the claims-paying ability of the issuing company. The death, living benefits benefit will depend on the individual\u2019s age and health the current calculator calculates values based on national averages for non-smoking clients.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id2995_b34c11-f8{margin-top:60px;margin-bottom:0px;}.kb-row-layout-id2995_b34c11-f8 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id2995_b34c11-f8 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id2995_b34c11-f8 > .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-id2995_b34c11-f8 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2995_b34c11-f8 > .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-id2995_b34c11-f8 > .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-id2995_b34c11-f8 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-column2995_436cdf-62 > .kt-inside-inner-col{display:flex;}.kadence-column2995_436cdf-62 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_436cdf-62 > .kt-inside-inner-col,.kadence-column2995_436cdf-62 > .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-column2995_436cdf-62 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_436cdf-62 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:stretch;}.kadence-column2995_436cdf-62 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column2995_436cdf-62 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column2995_436cdf-62 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2995_436cdf-62{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_436cdf-62{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_436cdf-62 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2995_436cdf-62 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_436cdf-62{position:relative;}.kadence-column2995_436cdf-62, .kt-inside-inner-col > .kadence-column2995_436cdf-62:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column2995_436cdf-62 > .kt-inside-inner-col{padding-top:60px;padding-right:40px;padding-bottom:80px;padding-left:40px;flex-direction:column;justify-content:center;align-items:stretch;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column2995_436cdf-62{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_436cdf-62{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_436cdf-62 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column2995_436cdf-62, .kt-inside-inner-col > .kadence-column2995_436cdf-62:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2995_436cdf-62 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;align-items:stretch;}.kt-row-column-wrap > .kadence-column2995_436cdf-62{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_436cdf-62{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_436cdf-62 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2995_436cdf-62, .kt-inside-inner-col > .kadence-column2995_436cdf-62: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-column2995_436cdf-62\"><div class=\"kt-inside-inner-col\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"299\" loading=\"lazy\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/dreamstime_m_76012007-q0wcxojoulsj1ox2vti0fzp04toacl05bvopwstwiy-1024x299.png\" alt=\"\" class=\"wp-image-3042\" style=\"object-fit:cover;width:1224px;height:auto\" srcset=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/dreamstime_m_76012007-q0wcxojoulsj1ox2vti0fzp04toacl05bvopwstwiy-1024x299.png 1024w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/dreamstime_m_76012007-q0wcxojoulsj1ox2vti0fzp04toacl05bvopwstwiy-300x88.png 300w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/dreamstime_m_76012007-q0wcxojoulsj1ox2vti0fzp04toacl05bvopwstwiy-768x224.png 768w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/dreamstime_m_76012007-q0wcxojoulsj1ox2vti0fzp04toacl05bvopwstwiy-1536x449.png 1536w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/dreamstime_m_76012007-q0wcxojoulsj1ox2vti0fzp04toacl05bvopwstwiy.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>IUL Insurance for Churches: Protecting Your Mission<\/strong><\/h2>\n\n\n\n<p class=\"\">Indexed Universal Life (IUL) insurance can be an effective solution for churches to safeguard their financial future while serving as a flexible resource for the needs of the community. Think of IUL not just as an insurance policy, but as a strategic tool for managing long-term growth, funding expansion projects, and ensuring stability for future generations.<\/p>\n\n\n\n<p class=\"\">With IUL, churches can accumulate cash value over time that grows based on index performance, offering both protection and potential for growth. This cash value can be accessed through policy loans, providing financial support for unexpected expenses, renovations, or even ministry expansion \u2014 without interrupting the investment\u2019s growth potential.<\/p>\n\n\n\n<p class=\"\"><strong>What does an IUL cover for churches?<\/strong><\/p>\n\n\n\n<p class=\"\">An IUL policy doesn\u2019t just offer a death benefit; it\u2019s designed to address the unique needs of your house of worship. In addition to providing a financial safety net, it can support the church in times of need \u2014 whether it\u2019s covering operational costs, making emergency repairs, or ensuring that your ministry thrives despite financial uncertainties. With tailored coverage and strategic use, an IUL policy can become a cornerstone of your church\u2019s financial planning.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id2995_e9e821-5b{margin-top:60px;margin-bottom:0px;}.kb-row-layout-id2995_e9e821-5b > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id2995_e9e821-5b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id2995_e9e821-5b > .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-id2995_e9e821-5b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 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.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-column2995_5d9c2c-58 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_5d9c2c-58 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2995_5d9c2c-58 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2995_5d9c2c-58{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_5d9c2c-58{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_5d9c2c-58 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2995_5d9c2c-58 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_5d9c2c-58{position:relative;}.kadence-column2995_5d9c2c-58, .kt-inside-inner-col > .kadence-column2995_5d9c2c-58:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column2995_5d9c2c-58 > .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-column2995_5d9c2c-58{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_5d9c2c-58{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_5d9c2c-58 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column2995_5d9c2c-58, .kt-inside-inner-col > .kadence-column2995_5d9c2c-58:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2995_5d9c2c-58 > .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-column2995_5d9c2c-58{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_5d9c2c-58{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_5d9c2c-58 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2995_5d9c2c-58, .kt-inside-inner-col > .kadence-column2995_5d9c2c-58: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-column2995_5d9c2c-58\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\"><strong>Congress Created a Strategy for Churches to Build Tax-Free Wealth with Life Insurance<\/strong><\/h2>\n\n\n\n<p class=\"\">When Congress enacted the TAMRA regulations, it enhanced the potential of Indexed Universal Life (IUL) insurance for organizations like churches. This provision enables churches to build tax-free wealth that can support their mission and sustain future growth. With an IUL, churches can secure substantial coverage, earn competitive returns, and avoid market losses. Plus, the policy\u2019s cash value and growth remain tax-free, providing financial flexibility to fund ministry projects or cover unexpected expenses\u2014without compromising the church\u2019s financial stability.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>See If You Qualify<\/strong>\u2014it takes just 5 minutes to see your potential wealth. <a href=\"\/ministry-quote\/\">Click Here<\/a><\/p>\n\n\n<style>.kb-row-layout-id2995_2d1ec5-7a > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2995_2d1ec5-7a > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2995_2d1ec5-7a > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id2995_2d1ec5-7a > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2995_2d1ec5-7a > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id2995_2d1ec5-7a > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2995_2d1ec5-7a alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2995_54cf3c-a5 > .kt-inside-inner-col,.kadence-column2995_54cf3c-a5 > .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-column2995_54cf3c-a5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_54cf3c-a5 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2995_54cf3c-a5 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2995_54cf3c-a5 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_54cf3c-a5{position:relative;}@media all and (max-width: 1024px){.kadence-column2995_54cf3c-a5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2995_54cf3c-a5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2995_54cf3c-a5\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading\">Protection From Down Markets<\/h4>\n\n\n\n<p class=\"\">These policies can benefit from market gains through index performance, like the S&amp;P 500, up to a cap, while being protected from market losses due to a typical 0% floor.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Generational Wealth Building<\/h4>\n\n\n\n<p class=\"\">Upon your passing, the accumulated funds in your policy can be transferred to your beneficiary also tax-free.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column2995_be2ed9-50 > .kt-inside-inner-col,.kadence-column2995_be2ed9-50 > .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-column2995_be2ed9-50 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_be2ed9-50 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2995_be2ed9-50 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2995_be2ed9-50 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_be2ed9-50{position:relative;}@media all and (max-width: 1024px){.kadence-column2995_be2ed9-50 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2995_be2ed9-50 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2995_be2ed9-50\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading\">Access To Money<\/h4>\n\n\n\n<p class=\"\">You can usually access funds from an active policy tax-free during your lifetime.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Surprising Growth Potential<\/h4>\n\n\n\n<p class=\"\">You have the potential to build significant cash value.<\/p>\n\n\n\n<p class=\"\"><\/p>\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-id2995_74bc0d-c6{margin-top:0px;margin-bottom:90px;}.kb-row-layout-id2995_74bc0d-c6 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2995_74bc0d-c6 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2995_74bc0d-c6 > .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-id2995_74bc0d-c6 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2995_74bc0d-c6 > .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-id2995_74bc0d-c6{margin-top:50px;margin-bottom:0px;}.kb-row-layout-id2995_74bc0d-c6 > .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-id2995_74bc0d-c6 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit 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1rem);}.kadence-column2995_f47922-15 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2995_f47922-15 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2995_f47922-15 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_f47922-15{position:relative;}@media all and (max-width: 1024px){.kadence-column2995_f47922-15 > .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-column2995_f47922-15 > .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-column2995_f47922-15\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2995_79d688-6f, .wp-block-kadence-advancedheading.kt-adv-heading2995_79d688-6f[data-kb-block=\"kb-adv-heading2995_79d688-6f\"]{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-heading2995_79d688-6f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2995_79d688-6f[data-kb-block=\"kb-adv-heading2995_79d688-6f\"] 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-heading2995_79d688-6f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2995_79d688-6f[data-kb-block=\"kb-adv-heading2995_79d688-6f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading2995_79d688-6f, .wp-block-kadence-advancedheading.kt-adv-heading2995_79d688-6f[data-kb-block=\"kb-adv-heading2995_79d688-6f\"]{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-heading2995_79d688-6f, .wp-block-kadence-advancedheading.kt-adv-heading2995_79d688-6f[data-kb-block=\"kb-adv-heading2995_79d688-6f\"]{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-heading2995_79d688-6f quote-style wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading2995_79d688-6f\">&#8220;<\/p>\n\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box2995_7a8f05-3d .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box2995_7a8f05-3d .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-box2995_7a8f05-3d .kt-blocks-info-box-link-wrap:hover{background:rgba(242, 242, 242, 0);}.kt-info-box2995_7a8f05-3d.wp-block-kadence-infobox{max-width:100%;}.kt-info-box2995_7a8f05-3d .kadence-info-box-image-inner-intrisic-container{max-width:250px;}.kt-info-box2995_7a8f05-3d .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:100%;width:500px;height:0px;max-width:100%;}.kt-info-box2995_7a8f05-3d .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box2995_7a8f05-3d .kt-info-svg-icon-flip, .kt-info-box2995_7a8f05-3d .kt-blocks-info-box-number{font-size:50px;}.kt-info-box2995_7a8f05-3d .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-box2995_7a8f05-3d .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.kt-info-box2995_7a8f05-3d .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:#444444;background:transparent;border-color:#444444;}.kt-info-box2995_7a8f05-3d .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-box2995_7a8f05-3d .kt-infobox-textcontent .kt-blocks-info-box-text{color:#555555;}.kt-info-box2995_7a8f05-3d .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-box2995_7a8f05-3d .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-learnmore,.kt-info-box2995_7a8f05-3d .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-box2995_7a8f05-3d .kt-blocks-info-box-link-wrap{text-align:center;}}@media all and (max-width: 767px){.kt-info-box2995_7a8f05-3d .kt-blocks-info-box-link-wrap{text-align:center;}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box2995_7a8f05-3d\"><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-column2995_65795d-17 > .kt-inside-inner-col{display:flex;}.kadence-column2995_65795d-17 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_65795d-17 > .kt-inside-inner-col,.kadence-column2995_65795d-17 > .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-column2995_65795d-17 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_65795d-17 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2995_65795d-17 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2995_65795d-17{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_65795d-17{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_65795d-17 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2995_65795d-17 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_65795d-17{position:relative;}@media all and (max-width: 1024px){.kadence-column2995_65795d-17 > .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-column2995_65795d-17{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_65795d-17{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_65795d-17 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2995_65795d-17 > .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-column2995_65795d-17{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_65795d-17{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_65795d-17 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column2995_65795d-17\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-icon.kt-svg-icons2995_29b179-bf{justify-content:center;}@media all and (max-width: 1024px){.wp-block-kadence-icon.kt-svg-icons2995_29b179-bf{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-icon.kt-svg-icons2995_29b179-bf{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-icon kt-svg-icons kt-svg-icons2995_29b179-bf alignnone\"><style>.kt-svg-item-2995_65464c-59 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-2995_65464c-59 .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-2995_65464c-59\"><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-2995_5be301-09 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-2995_5be301-09 .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-2995_5be301-09\"><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-2995_c8b8b6-e1 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-2995_c8b8b6-e1 .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-2995_c8b8b6-e1\"><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-2995_ca3284-67 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-2995_ca3284-67 .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-2995_ca3284-67\"><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-2995_0f64b1-f4 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-2995_0f64b1-f4 .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-2995_0f64b1-f4\"><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\n<h3 class=\"has--font-size wp-block-heading has-theme-palette-9-color has-text-color has-link-color wp-elements-2958f7df8310f7fab025aea8dacca89b\">Get a Tailored IUL Strategy for Your Church \u2014 Free, No-Obligation Quote<\/h3>\n\n\n\n<p class=\"has-theme-palette-9-color has-text-color has-link-color wp-elements-50b09e9447ad175a1f66f351b0b0318c\">Explore how an Indexed Universal Life (IUL) policy can benefit your church. Simply enter your information, calculate potential contributions in just 5 minutes, and speak to an expert. It costs nothing to see how an IUL can help build long-term financial stability. Get a no-obligation estimate in minutes and discover how this tool can secure your church\u2019s future.<br><\/p>\n\n\n<style>.wp-block-kadence-advancedbtn.kt-btns2995_0d5e26-a3, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns2995_0d5e26-a3, .wp-block-kadence-advancedbtn.kb-btns2995_0d5e26-a3, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns2995_0d5e26-a3{margin-top:40px;margin-right:0px;margin-bottom:-5px;margin-left:0px;}.wp-block-kadence-advancedbtn.kb-btns2995_0d5e26-a3{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-start;align-items:center;}.kt-btns2995_0d5e26-a3 .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns2995_0d5e26-a3{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns2995_0d5e26-a3\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn2995_571d79-12.kb-button{width:initial;}<\/style><a class=\"kb-button kt-button button kb-btn2995_571d79-12 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\n<p class=\"\"><\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id2995_401ae1-3b{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id2995_401ae1-3b > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2995_401ae1-3b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2995_401ae1-3b > .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:44px;padding-right:20px;padding-bottom:80px;padding-left:20px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id2995_401ae1-3b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2995_401ae1-3b > .kt-row-column-wrap{padding-top:40px;padding-right:30px;padding-bottom:60px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2995_401ae1-3b > .kt-row-column-wrap{padding-top:80px;padding-right:20px;padding-bottom:10px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2995_401ae1-3b 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-column2995_0dd8f6-10 > .kt-inside-inner-col{display:flex;}.kadence-column2995_0dd8f6-10 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_0dd8f6-10 > .kt-inside-inner-col,.kadence-column2995_0dd8f6-10 > .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-column2995_0dd8f6-10 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_0dd8f6-10 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2995_0dd8f6-10 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2995_0dd8f6-10{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_0dd8f6-10{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_0dd8f6-10 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2995_0dd8f6-10 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_0dd8f6-10{position:relative;}.kadence-column2995_0dd8f6-10, .kt-inside-inner-col > .kadence-column2995_0dd8f6-10:not(.specificity){margin-top:0px;margin-right:10px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column2995_0dd8f6-10 > .kt-inside-inner-col{padding-top:60px;padding-right:40px;padding-bottom:60px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column2995_0dd8f6-10{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_0dd8f6-10{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_0dd8f6-10 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column2995_0dd8f6-10, .kt-inside-inner-col > .kadence-column2995_0dd8f6-10:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2995_0dd8f6-10 > .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-column2995_0dd8f6-10{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_0dd8f6-10{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_0dd8f6-10 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column2995_0dd8f6-10\"><div class=\"kt-inside-inner-col\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized has-lightbox\"><img decoding=\"async\" width=\"480\" height=\"270\" loading=\"lazy\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/655be0ee698b6eb159f327b0_What-Types-of-Insurance-Should-a-Church-Have_.jpg\" alt=\"\" class=\"wp-image-3006\" style=\"width:541px;height:auto\" srcset=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/655be0ee698b6eb159f327b0_What-Types-of-Insurance-Should-a-Church-Have_.jpg 480w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/10\/655be0ee698b6eb159f327b0_What-Types-of-Insurance-Should-a-Church-Have_-300x169.jpg 300w\" sizes=\"auto, (max-width: 480px) 100vw, 480px\" \/><\/figure>\n<\/div><\/div><\/div>\n\n\n<style>.kadence-column2995_d75310-bb > .kt-inside-inner-col{display:flex;}.kadence-column2995_d75310-bb > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_d75310-bb > .kt-inside-inner-col,.kadence-column2995_d75310-bb > .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-column2995_d75310-bb > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_d75310-bb > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column2995_d75310-bb > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2995_d75310-bb{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_d75310-bb{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_d75310-bb > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column2995_d75310-bb > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_d75310-bb{position:relative;}.kadence-column2995_d75310-bb, .kt-inside-inner-col > .kadence-column2995_d75310-bb:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:100px;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column2995_d75310-bb{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_d75310-bb{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_d75310-bb > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column2995_d75310-bb > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column2995_d75310-bb, .kt-inside-inner-col > .kadence-column2995_d75310-bb:not(.specificity){margin-top:20px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2995_d75310-bb > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:flex-start;}.kt-row-column-wrap > .kadence-column2995_d75310-bb{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_d75310-bb{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_d75310-bb > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column2995_d75310-bb, .kt-inside-inner-col > .kadence-column2995_d75310-bb:not(.specificity){margin-top:70px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column2995_d75310-bb\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\"><strong>Indexed IUL Loans<\/strong> <strong>for Churches<\/strong><\/h2>\n\n\n\n<p class=\"\">Indexed IUL loans can be a powerful tool for churches looking to leverage their cash value for funding projects or managing cash flow. With an indexed loan your ministry gain access to liquidity tax-free, while the borrowed amount continues to grow based on the performance of the selected index(es), allowing the church\u2019s investment to keep working while accessing needed funds. Unlike traditional loans, this structure helps churches maintain potential growth and maximize financial flexibility. <\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id2995_7f5ba7-87{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id2995_7f5ba7-87 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2995_7f5ba7-87 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2995_7f5ba7-87 > .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-right:20px;padding-bottom:80px;padding-left:20px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id2995_7f5ba7-87 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2995_7f5ba7-87 > .kt-row-column-wrap{padding-top:40px;padding-right:30px;padding-bottom:60px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2995_7f5ba7-87 > .kt-row-column-wrap{padding-top:80px;padding-right:20px;padding-bottom:10px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2995_7f5ba7-87 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-column2995_27f7ac-83 > .kt-inside-inner-col{display:flex;}.kadence-column2995_27f7ac-83 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_27f7ac-83 > .kt-inside-inner-col,.kadence-column2995_27f7ac-83 > .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-column2995_27f7ac-83 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_27f7ac-83 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2995_27f7ac-83 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2995_27f7ac-83{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_27f7ac-83{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_27f7ac-83 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2995_27f7ac-83 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_27f7ac-83{position:relative;}.kadence-column2995_27f7ac-83, .kt-inside-inner-col > .kadence-column2995_27f7ac-83:not(.specificity){margin-top:0px;margin-right:10px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column2995_27f7ac-83 > .kt-inside-inner-col{padding-top:60px;padding-right:40px;padding-bottom:60px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column2995_27f7ac-83{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_27f7ac-83{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_27f7ac-83 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column2995_27f7ac-83, .kt-inside-inner-col > .kadence-column2995_27f7ac-83:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2995_27f7ac-83 > .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-column2995_27f7ac-83{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_27f7ac-83{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_27f7ac-83 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column2995_27f7ac-83\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\">How Does an IUL Loan Benefit Your Church?<\/h2>\n\n\n\n<p class=\"\">One of the key benefits of an Indexed Universal Life (IUL) policy for churches is the ability to access the policy\u2019s cash value without triggering taxes. Churches can utilize up to 100% of the accumulated cash value through policy loans, thanks to favorable IRS provisions. This tax-free access can help fund renovations, support outreach programs, or cover unexpected expenses\u2014all while the remaining cash value continues to grow.<\/p>\n\n\n\n<p class=\"\"><strong>See If You Qualify<\/strong>\u2014it takes just 5 minutes to see your potential wealth. <a href=\"\/ministry-quote\/\">Click Here<\/a><\/p>\n\n\n\n<p class=\"\"><strong>Fixed IUL Loans<\/strong><\/p>\n\n\n\n<p class=\"\">A fixed loan allows you to borrow against your IUL policy, with the insurance company charging a fixed interest rate on the borrowed amount. For every dollar you borrow, an equal amount of your policy&#8217;s cash value is moved into a &#8220;collateral&#8221; account. The insurance company guarantees that this collateral account will earn a specified rate of return.<\/p>\n\n\n\n<p class=\"\"><\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column2995_d90a1a-a1 > .kt-inside-inner-col{display:flex;}.kadence-column2995_d90a1a-a1 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_d90a1a-a1 > .kt-inside-inner-col,.kadence-column2995_d90a1a-a1 > .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-column2995_d90a1a-a1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_d90a1a-a1 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column2995_d90a1a-a1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2995_d90a1a-a1{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_d90a1a-a1{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_d90a1a-a1 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column2995_d90a1a-a1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_d90a1a-a1{position:relative;}.kadence-column2995_d90a1a-a1, .kt-inside-inner-col > .kadence-column2995_d90a1a-a1:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:100px;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column2995_d90a1a-a1{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_d90a1a-a1{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_d90a1a-a1 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column2995_d90a1a-a1 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column2995_d90a1a-a1, .kt-inside-inner-col > .kadence-column2995_d90a1a-a1:not(.specificity){margin-top:20px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2995_d90a1a-a1 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:flex-start;}.kt-row-column-wrap > .kadence-column2995_d90a1a-a1{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_d90a1a-a1{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_d90a1a-a1 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column2995_d90a1a-a1, .kt-inside-inner-col > .kadence-column2995_d90a1a-a1:not(.specificity){margin-top:70px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column2995_d90a1a-a1\"><div class=\"kt-inside-inner-col\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1240\" height=\"629\" loading=\"lazy\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/IUL-liquidity.jpg\" alt=\"\" class=\"wp-image-2121\" style=\"width:496px;height:auto\" srcset=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/IUL-liquidity.jpg 1240w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/IUL-liquidity-300x152.jpg 300w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/IUL-liquidity-1024x519.jpg 1024w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/IUL-liquidity-768x390.jpg 768w\" sizes=\"auto, (max-width: 1240px) 100vw, 1240px\" \/><\/figure>\n<\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1240\" height=\"932\" loading=\"lazy\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Financial-multi_tool.jpg\" alt=\"\" class=\"wp-image-2123\" style=\"width:438px;height:auto\" srcset=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Financial-multi_tool.jpg 1240w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Financial-multi_tool-300x225.jpg 300w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Financial-multi_tool-1024x770.jpg 1024w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Financial-multi_tool-768x577.jpg 768w\" sizes=\"auto, (max-width: 1240px) 100vw, 1240px\" \/><\/figure>\n<\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id2995_36e414-07{margin-top:60px;margin-bottom:0px;}.kb-row-layout-id2995_36e414-07 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id2995_36e414-07 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id2995_36e414-07 > .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-right:20px;padding-bottom:99px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2995_36e414-07 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2995_36e414-07 > .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-id2995_36e414-07 > .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-id2995_36e414-07 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-column2995_6e256f-1a > .kt-inside-inner-col{display:flex;}.kadence-column2995_6e256f-1a > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_6e256f-1a > .kt-inside-inner-col,.kadence-column2995_6e256f-1a > .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-column2995_6e256f-1a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_6e256f-1a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2995_6e256f-1a > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2995_6e256f-1a{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_6e256f-1a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_6e256f-1a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2995_6e256f-1a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_6e256f-1a{position:relative;}.kadence-column2995_6e256f-1a, .kt-inside-inner-col > .kadence-column2995_6e256f-1a:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column2995_6e256f-1a > .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-column2995_6e256f-1a{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_6e256f-1a{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_6e256f-1a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column2995_6e256f-1a, .kt-inside-inner-col > .kadence-column2995_6e256f-1a:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2995_6e256f-1a > .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-column2995_6e256f-1a{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_6e256f-1a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2995_6e256f-1a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2995_6e256f-1a, .kt-inside-inner-col > .kadence-column2995_6e256f-1a: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-column2995_6e256f-1a\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\">What is Infinite Banking for Churches?<\/h2>\n\n\n\n<p class=\"\">Infinite banking is a financial strategy that allows churches to use the cash value in an Indexed Universal Life (IUL) policy as their own \u201cbank.\u201d By taking loans against the policy, churches can fund projects, manage cash flow, and support ministry needs\u2014all while the policy continues to grow through index-based returns.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Does Infinite Banking Work for Ministries?<\/h2>\n\n\n\n<p class=\"\">The core of the infinite banking concept involves using a cash value life insurance policy, like an Indexed Universal Life (IUL), as a financial resource. With an IUL in place, a church can borrow against its cash value instead of relying on traditional lenders\u2014essentially creating its own \u201cmini bank.\u201d This allows quick and easy access to funds, often just a call away, without paying interest to outside institutions.<\/p>\n\n\n\n<p class=\"\">An IUL is ideal for this strategy as it can grow cash value based on market index performance, while also offering flexibility to use dividends to enhance cash value or offset premium costs. This approach enables churches to fund projects, manage operating expenses, or seize new opportunities, all while retaining control of their financial future.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"701\" loading=\"lazy\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/how-infinite-banking-works-1024x701.jpg\" alt=\"\" class=\"wp-image-2128\" srcset=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/how-infinite-banking-works-1024x701.jpg 1024w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/how-infinite-banking-works-300x205.jpg 300w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/how-infinite-banking-works-768x525.jpg 768w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/how-infinite-banking-works-1536x1051.jpg 1536w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/how-infinite-banking-works.jpg 1637w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">How to Start Infinite Banking for Your Church<\/h2>\n\n\n\n<p class=\"\">To implement infinite banking for your church, work with an experienced life insurance broker who specializes in cash value life insurance policies. The broker will help identify an Indexed Universal Life (IUL) policy tailored to your church\u2019s needs, considering factors like premium rates, coverage, and cash value growth potential. They will then structure the policy to maximize cash value accumulation, ensuring that it serves as a reliable financial resource for your church.<\/p>\n\n\n\n<p class=\"\">In the USA, setting up an IUL for infinite banking involves funding the policy through regular contributions and strategically building the cash value over time. Once in place, your church can use the accumulated cash value as a financing tool for various purposes, such as facility upgrades, ministry expansion, or outreach programs\u2014without relying on traditional loans.<\/p>\n\n\n\n<p class=\"\">While there\u2019s no strict minimum policy size for this strategy, higher premium contributions generally yield better long-term growth, allowing for more flexibility in borrowing against the cash value.<\/p>\n\n\n\n<p class=\"\"><strong>Is There a Minimum Insurance Policy Size for Infinite Banking?<\/strong><\/p>\n\n\n\n<p class=\"has--font-size\">While there&#8217;s no strict minimum policy size, this strategy generally works better for higher-income earners, and the premiums reflect that. Tipically a larger cash surrender value typically provides better opportunities to obtain favorable loan terms from banks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Building Multi-Generational Wealth for Churches with IUL Policies<\/h2>\n\n\n\n<p class=\"\">Churches can leverage Indexed Universal Life (IUL) policies to build multi-generational wealth and create a lasting financial legacy. By using the cash value growth potential of an IUL, a church can accumulate wealth over time, providing a reliable financial foundation for future ministry needs and expansion projects.<\/p>\n\n\n\n<p class=\"\">To be effective, securing an IUL policy with favorable rates is essential. Factors like the church\u2019s financial stability and ability to consistently fund the premiums play a key role in maximizing benefits. Generally, it\u2019s recommended to allocate a portion of the church\u2019s budget\u2014up to 10%\u2014toward the policy to ensure steady growth and sustainability.<\/p>\n\n\n\n<p class=\"\">A deep understanding of financial strategies, such as the power of compound interest and the benefits of policy loans, is also important to effectively manage the IUL and ensure it serves as a robust tool for long-term planning. With disciplined management, an IUL can help a church support its mission today while leaving a financial legacy for generations to come.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pros and Cons of Infinite Banking for Churches<\/h2>\n\n\n\n<p class=\"\">There are a number of pros and cons associated with infinite banking.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#00fe03\" class=\"has-inline-color\">Pros of infinite banking<\/mark><\/strong><\/td><td><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff0000\" class=\"has-inline-color\">Cons of infinite banking<\/mark><\/strong><\/td><\/tr><tr><td>Ability to have your \u201cown bank\u201d and lend money from it without paying interest to the 3<sup>rd<\/sup>&nbsp;party lenders.<\/td><td>Costs of the insurance policy.<\/td><\/tr><tr><td>No need to go through a long lending process if you need a loan.<\/td><td>Not a good choice for those looking for short-term results as it takes years to accumulate a meaningful cash value to borrow against.<\/td><\/tr><tr><td>Ability to grow the cash value of a policy even faster with a participating whole life insurance policy that pays benefits.<\/td><td>Not a good choice for people who can not easily get access to IUL insurance policy (e.g. due to health pre-conditions).<\/td><\/tr><tr><td>Ability to select unstructured payment instead of a predefined payment plan.<\/td><td>You need to have a very solid understanding of the infinite banking concept since there is a chance, because it is along-term strategy, that an advisor who set it up for you will not be there after several years.<\/td><\/tr><tr><td>You continue to accumulate interest on the entire cash value even if you borrowed against it.<\/td><td>The interest on a policy loan must be lower than earnings. Variable loans interest range from 4%-6% with returns intrest ranging from 6%-8%. Each loan affects future earning potential.<\/td><\/tr><tr><td>Ability to benefit from an array of financial benefits e.g. lower interest rates, lack of market volatility, lack of penalty or late payment fees, etc.<\/td><td>Any policy loan in excess of the adjusted cost basis of the life insurance policy will be 100% taxable to the individual.<\/td><\/tr><tr><td>You continue accumulate interest on the entire cash value even if you borrowed against it.<\/td><td><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Is there an advantage to using a Mutual Insurance company vs a Public Insurance Company when setting up the Infinite Banking for Ministries?<\/h2>\n\n\n\n<p class=\"\">Choosing a mutual insurance company over a public insurance company for setting up an Infinite Banking concept (IBC) can offer advantages such as a customer-centric approach and potentially better policy terms, like higher dividends and lower premiums. Mutual insurers, owned by policyholders, often prioritize stability and long-term satisfaction. In contrast, public insurers, accountable to shareholders, may prioritize profit motives, potentially resulting in higher costs or less favorable terms.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2995_b37423-8f > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2995_b37423-8f > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2995_b37423-8f > .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:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2995_b37423-8f > .kt-row-layout-overlay{opacity:0.50;}@media all and (max-width: 1024px){.kb-row-layout-id2995_b37423-8f > .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-id2995_b37423-8f > .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-id2995_b37423-8f 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-column2995_98b99e-7c > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2995_98b99e-7c > .kt-inside-inner-col,.kadence-column2995_98b99e-7c > .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-column2995_98b99e-7c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_98b99e-7c > .kt-inside-inner-col{flex-direction:column;}.kadence-column2995_98b99e-7c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2995_98b99e-7c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_98b99e-7c{position:relative;}@media all and (max-width: 1024px){.kadence-column2995_98b99e-7c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2995_98b99e-7c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column2995_98b99e-7c\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id2995_bc6eb1-36 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2995_bc6eb1-36 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2995_bc6eb1-36 > .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-id2995_bc6eb1-36 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2995_bc6eb1-36 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2995_bc6eb1-36 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2995_bc6eb1-36 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-column2995_f40117-ed > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column2995_f40117-ed > .kt-inside-inner-col,.kadence-column2995_f40117-ed > .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-column2995_f40117-ed > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2995_f40117-ed > .kt-inside-inner-col{flex-direction:column;}.kadence-column2995_f40117-ed > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2995_f40117-ed > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2995_f40117-ed{position:relative;}@media all and (max-width: 1024px){.kadence-column2995_f40117-ed > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2995_f40117-ed > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column2995_f40117-ed\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2995_e9d246-8b, .wp-block-kadence-advancedheading.kt-adv-heading2995_e9d246-8b[data-kb-block=\"kb-adv-heading2995_e9d246-8b\"]{margin-bottom:40px;text-align:center;line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2995_e9d246-8b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2995_e9d246-8b[data-kb-block=\"kb-adv-heading2995_e9d246-8b\"] 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-heading2995_e9d246-8b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2995_e9d246-8b[data-kb-block=\"kb-adv-heading2995_e9d246-8b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading2995_e9d246-8b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2995_e9d246-8b\">Top-rated insurance companies offering Indexed Universal Life (IUL) policies<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2995_b4263d-f5, .wp-block-kadence-advancedheading.kt-adv-heading2995_b4263d-f5[data-kb-block=\"kb-adv-heading2995_b4263d-f5\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2995_b4263d-f5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2995_b4263d-f5[data-kb-block=\"kb-adv-heading2995_b4263d-f5\"] 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-heading2995_b4263d-f5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2995_b4263d-f5[data-kb-block=\"kb-adv-heading2995_b4263d-f5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2995_b4263d-f5 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2995_b4263d-f5\">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-2995_b86f12-d2{padding-right:var(--global-kb-spacing-xl, 4rem);padding-left:var(--global-kb-spacing-xl, 4rem);}.wp-block-kadence-advancedgallery.kb-gallery-wrap-id-2995_b86f12-d2{overflow:hidden;}.kb-gallery-id-2995_b86f12-d2 .kadence-blocks-gallery-item .kb-gal-image-radius, .kb-gallery-id-2995_b86f12-d2 .kb-slide-item .kb-gal-image-radius img{border-radius:0px 0px 0px 0px;;}.kb-gallery-wrap-id-2995_b86f12-d2.wp-block-kadence-advancedgallery{overflow:visible;}.kb-gallery-wrap-id-2995_b86f12-d2.wp-block-kadence-advancedgallery .kt-blocks-carousel{overflow:visible;}<\/style><div class=\"kb-gallery-wrap-id-2995_b86f12-d2 alignnone wp-block-kadence-advancedgallery\"><div class=\"kb-gallery-ul kb-gallery-non-static kb-gallery-type-carousel kb-gallery-id-2995_b86f12-d2 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 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