{"id":1597,"date":"2024-09-19T17:40:35","date_gmt":"2024-09-19T17:40:35","guid":{"rendered":"https:\/\/may.iaq.mybluehost.me\/?page_id=1597"},"modified":"2025-05-13T23:46:17","modified_gmt":"2025-05-13T23:46:17","slug":"assicurazione-iul-prestiti-infinito-bancario","status":"publish","type":"page","link":"https:\/\/indexeduniversallife.us\/it\/assicurazione-iul-prestiti-infinito-bancario\/","title":{"rendered":"Prestiti su Assicurazioni IUL"},"content":{"rendered":"<style>.kb-row-layout-id1597_72e7f5-34 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1597_72e7f5-34 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1597_72e7f5-34 > .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-id1597_72e7f5-34 > .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-id1597_72e7f5-34 > .kt-row-layout-overlay{background-attachment:scroll;}}@media all and (max-width: 1024px){.kb-row-layout-id1597_72e7f5-34 > .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-id1597_72e7f5-34 > .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-id1597_72e7f5-34 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-column1597_f43575-4b > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_f43575-4b > .kt-inside-inner-col,.kadence-column1597_f43575-4b > .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-column1597_f43575-4b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_f43575-4b > .kt-inside-inner-col{flex-direction:column;}.kadence-column1597_f43575-4b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1597_f43575-4b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_f43575-4b{position:relative;}@media all and (max-width: 1024px){.kadence-column1597_f43575-4b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1597_f43575-4b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1597_f43575-4b\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1597_985290-7a, .wp-block-kadence-advancedheading.kt-adv-heading1597_985290-7a[data-kb-block=\"kb-adv-heading1597_985290-7a\"]{margin-bottom:22.5px;text-align:center;line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1597_985290-7a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1597_985290-7a[data-kb-block=\"kb-adv-heading1597_985290-7a\"] 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-heading1597_985290-7a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1597_985290-7a[data-kb-block=\"kb-adv-heading1597_985290-7a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1597_985290-7a, .wp-block-kadence-advancedheading.kt-adv-heading1597_985290-7a[data-kb-block=\"kb-adv-heading1597_985290-7a\"]{margin-bottom:17.5px;}}<\/style>\n<h1 class=\"kt-adv-heading1597_985290-7a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1597_985290-7a\">IUL Insurance Family Loans<\/h1>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1597_01dad9-40, .wp-block-kadence-advancedheading.kt-adv-heading1597_01dad9-40[data-kb-block=\"kb-adv-heading1597_01dad9-40\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1597_01dad9-40 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1597_01dad9-40[data-kb-block=\"kb-adv-heading1597_01dad9-40\"] 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-heading1597_01dad9-40 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1597_01dad9-40[data-kb-block=\"kb-adv-heading1597_01dad9-40\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1597_01dad9-40 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1597_01dad9-40\">One of the major advantages of an indexed universal life insurance policy is the ability to access the cash value without incurring taxes. This benefit also allows you to utilize up to 100% of the cash value your policy has built up.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1597_995e4b-67{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id1597_995e4b-67 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1597_995e4b-67 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1597_995e4b-67 > .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:110px;padding-right:20px;padding-bottom:80px;padding-left:20px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id1597_995e4b-67 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1597_995e4b-67 > .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-id1597_995e4b-67 > .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-id1597_995e4b-67 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-column1597_8c8fef-05 > .kt-inside-inner-col{display:flex;}.kadence-column1597_8c8fef-05 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_8c8fef-05 > .kt-inside-inner-col,.kadence-column1597_8c8fef-05 > .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-column1597_8c8fef-05 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_8c8fef-05 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_8c8fef-05 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1597_8c8fef-05{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_8c8fef-05{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_8c8fef-05 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_8c8fef-05 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_8c8fef-05{position:relative;}.kadence-column1597_8c8fef-05, .kt-inside-inner-col > .kadence-column1597_8c8fef-05:not(.specificity){margin-top:0px;margin-right:10px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column1597_8c8fef-05 > .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-column1597_8c8fef-05{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_8c8fef-05{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_8c8fef-05 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column1597_8c8fef-05, .kt-inside-inner-col > .kadence-column1597_8c8fef-05:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1597_8c8fef-05 > .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-column1597_8c8fef-05{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_8c8fef-05{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_8c8fef-05 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1597_8c8fef-05\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\">How Does an IUL Loan Impact Your Policy?<\/h2>\n\n\n\n<p class=\"\">A major advantage of owning an indexed universal life (IUL) insurance policy is the ability to access your policy&#8217;s cash value without paying taxes. You can even use up to 100% of the accumulated cash value. Thanks to specific IRS provisions, you can access the cash value tax-free through a policy loan. IUL policies offer several types of loans, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Variable<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Fixed<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Indexed<\/li>\n<\/ul>\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<\/div><\/div>\n\n\n<style>.kadence-column1597_7f319b-c6 > .kt-inside-inner-col{display:flex;}.kadence-column1597_7f319b-c6 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_7f319b-c6 > .kt-inside-inner-col,.kadence-column1597_7f319b-c6 > .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-column1597_7f319b-c6 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_7f319b-c6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column1597_7f319b-c6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1597_7f319b-c6{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_7f319b-c6{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_7f319b-c6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column1597_7f319b-c6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_7f319b-c6{position:relative;}.kadence-column1597_7f319b-c6, .kt-inside-inner-col > .kadence-column1597_7f319b-c6: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-column1597_7f319b-c6{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-column1597_7f319b-c6{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_7f319b-c6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column1597_7f319b-c6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column1597_7f319b-c6, .kt-inside-inner-col > .kadence-column1597_7f319b-c6:not(.specificity){margin-top:20px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1597_7f319b-c6 > .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-column1597_7f319b-c6{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_7f319b-c6{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_7f319b-c6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column1597_7f319b-c6, .kt-inside-inner-col > .kadence-column1597_7f319b-c6: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-column1597_7f319b-c6\"><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:480px;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:480px;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-id1597_ae78bf-1b{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id1597_ae78bf-1b > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1597_ae78bf-1b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1597_ae78bf-1b > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:44px;padding-right:20px;padding-bottom:80px;padding-left:20px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id1597_ae78bf-1b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1597_ae78bf-1b > .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-id1597_ae78bf-1b > .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-id1597_ae78bf-1b 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-column1597_624bb7-93 > .kt-inside-inner-col{display:flex;}.kadence-column1597_624bb7-93 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_624bb7-93 > .kt-inside-inner-col,.kadence-column1597_624bb7-93 > .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-column1597_624bb7-93 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_624bb7-93 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_624bb7-93 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1597_624bb7-93{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_624bb7-93{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_624bb7-93 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_624bb7-93 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_624bb7-93{position:relative;}.kadence-column1597_624bb7-93, .kt-inside-inner-col > .kadence-column1597_624bb7-93:not(.specificity){margin-top:0px;margin-right:10px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column1597_624bb7-93 > .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-column1597_624bb7-93{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_624bb7-93{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_624bb7-93 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column1597_624bb7-93, .kt-inside-inner-col > .kadence-column1597_624bb7-93:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1597_624bb7-93 > .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-column1597_624bb7-93{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_624bb7-93{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_624bb7-93 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1597_624bb7-93\"><div class=\"kt-inside-inner-col\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized has-lightbox\"><a href=\"\/getstarted\/\"><img decoding=\"async\" width=\"1000\" height=\"1569\" loading=\"lazy\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Indexed-Universal-Life-Insurance-Quote.png\" alt=\"\" class=\"wp-image-1822\" style=\"width:352px;height:auto\" srcset=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Indexed-Universal-Life-Insurance-Quote.png 1000w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Indexed-Universal-Life-Insurance-Quote-191x300.png 191w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Indexed-Universal-Life-Insurance-Quote-653x1024.png 653w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Indexed-Universal-Life-Insurance-Quote-768x1205.png 768w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Indexed-Universal-Life-Insurance-Quote-979x1536.png 979w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><\/figure>\n<\/div><\/div><\/div>\n\n\n<style>.kadence-column1597_744a27-c3 > .kt-inside-inner-col{display:flex;}.kadence-column1597_744a27-c3 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_744a27-c3 > .kt-inside-inner-col,.kadence-column1597_744a27-c3 > .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-column1597_744a27-c3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_744a27-c3 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column1597_744a27-c3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1597_744a27-c3{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_744a27-c3{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_744a27-c3 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column1597_744a27-c3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_744a27-c3{position:relative;}.kadence-column1597_744a27-c3, .kt-inside-inner-col > .kadence-column1597_744a27-c3: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-column1597_744a27-c3{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-column1597_744a27-c3{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_744a27-c3 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column1597_744a27-c3 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column1597_744a27-c3, .kt-inside-inner-col > .kadence-column1597_744a27-c3:not(.specificity){margin-top:20px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1597_744a27-c3 > .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-column1597_744a27-c3{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_744a27-c3{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_744a27-c3 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column1597_744a27-c3, .kt-inside-inner-col > .kadence-column1597_744a27-c3: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-column1597_744a27-c3\"><div class=\"kt-inside-inner-col\">\n<p class=\"\"><\/p>\n\n\n\n<p class=\"\"><strong>Indexed IUL Loans<\/strong><br>With an indexed loan, the borrowed funds continue to follow the performance of the underlying index(es) rather than being placed in a collateral account. The collateral for your loan remains tied to the movement of the selected index(es). Typically, the interest rate charged by the insurance company on an indexed loan is higher than that of a fixed loan.<\/p>\n\n\n\n<p class=\"\"><strong>Variable IUL Loans<\/strong><br>Variable loans are similar to indexed loans, as the borrowed funds also track the underlying index(es). However, the interest rate on a variable loan is often lower than that of an indexed loan since the insurer is not obligated to a guaranteed rate. Despite this, variable loans may still carry a higher interest rate compared to fixed loans, as the collateral is usually invested in riskier assets than cash.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1597_8022e7-2e{margin-top:0px;margin-bottom:90px;}.kb-row-layout-id1597_8022e7-2e > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1597_8022e7-2e > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1597_8022e7-2e > .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-id1597_8022e7-2e > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1597_8022e7-2e > .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-id1597_8022e7-2e{margin-top:50px;margin-bottom:0px;}.kb-row-layout-id1597_8022e7-2e > .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-id1597_8022e7-2e 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-column1597_8caefa-9f > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_8caefa-9f > .kt-inside-inner-col,.kadence-column1597_8caefa-9f > .kt-inside-inner-col:before{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kadence-column1597_8caefa-9f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_8caefa-9f > .kt-inside-inner-col{flex-direction:column;}.kadence-column1597_8caefa-9f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1597_8caefa-9f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_8caefa-9f{position:relative;}.kadence-column1597_8caefa-9f, .kt-inside-inner-col > .kadence-column1597_8caefa-9f:not(.specificity){margin-right:var(--global-kb-spacing-sm, 1.5rem);margin-left:var(--global-kb-spacing-xs, 1rem);}@media all and (max-width: 1024px){.kadence-column1597_8caefa-9f > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1597_8caefa-9f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1597_8caefa-9f\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id1597_5f76ee-75 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1597_5f76ee-75 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1597_5f76ee-75 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:1140px;margin-left:auto;margin-right:auto;padding-top:50px;padding-right:60px;padding-bottom:50px;padding-left:60px;grid-template-columns:minmax(0, calc(29.6% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(70.4% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id1597_5f76ee-75{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;overflow:clip;isolation:isolate;}.kb-row-layout-id1597_5f76ee-75 > .kt-row-layout-overlay{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;}.kb-row-layout-id1597_5f76ee-75 > .kt-row-layout-overlay{opacity:1;background:linear-gradient(300deg, var(--global-palette1) 0%, var(--global-palette2) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id1597_5f76ee-75 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1597_5f76ee-75{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id1597_5f76ee-75 > .kt-row-column-wrap{padding-top:34px;padding-right:34px;padding-bottom:34px;padding-left:34px;grid-template-columns:minmax(0, 1fr);}}.kb-row-layout-id1597_5f76ee-75 .quote-style { position: absolute; left: 50px; top: 35px;}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1597_5f76ee-75 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column1597_55d1d5-05 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_55d1d5-05 > .kt-inside-inner-col,.kadence-column1597_55d1d5-05 > .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-column1597_55d1d5-05 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_55d1d5-05 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1597_55d1d5-05 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1597_55d1d5-05 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_55d1d5-05{position:relative;}@media all and (max-width: 1024px){.kadence-column1597_55d1d5-05 > .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-column1597_55d1d5-05 > .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-column1597_55d1d5-05\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1597_8a1861-7c, .wp-block-kadence-advancedheading.kt-adv-heading1597_8a1861-7c[data-kb-block=\"kb-adv-heading1597_8a1861-7c\"]{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-heading1597_8a1861-7c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1597_8a1861-7c[data-kb-block=\"kb-adv-heading1597_8a1861-7c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1597_8a1861-7c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1597_8a1861-7c[data-kb-block=\"kb-adv-heading1597_8a1861-7c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1597_8a1861-7c, .wp-block-kadence-advancedheading.kt-adv-heading1597_8a1861-7c[data-kb-block=\"kb-adv-heading1597_8a1861-7c\"]{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-heading1597_8a1861-7c, .wp-block-kadence-advancedheading.kt-adv-heading1597_8a1861-7c[data-kb-block=\"kb-adv-heading1597_8a1861-7c\"]{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-heading1597_8a1861-7c quote-style wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading1597_8a1861-7c\">&#8220;<\/p>\n\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box1597_59d1d9-f4 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box1597_59d1d9-f4 .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-box1597_59d1d9-f4 .kt-blocks-info-box-link-wrap:hover{background:rgba(242, 242, 242, 0);}.kt-info-box1597_59d1d9-f4.wp-block-kadence-infobox{max-width:100%;}.kt-info-box1597_59d1d9-f4 .kadence-info-box-image-inner-intrisic-container{max-width:250px;}.kt-info-box1597_59d1d9-f4 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:100%;width:500px;height:0px;max-width:100%;}.kt-info-box1597_59d1d9-f4 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box1597_59d1d9-f4 .kt-info-svg-icon-flip, .kt-info-box1597_59d1d9-f4 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box1597_59d1d9-f4 .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-box1597_59d1d9-f4 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.kt-info-box1597_59d1d9-f4 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:#444444;background:transparent;border-color:#444444;}.kt-info-box1597_59d1d9-f4 .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-box1597_59d1d9-f4 .kt-infobox-textcontent .kt-blocks-info-box-text{color:#555555;}.kt-info-box1597_59d1d9-f4 .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-box1597_59d1d9-f4 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-learnmore,.kt-info-box1597_59d1d9-f4 .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-box1597_59d1d9-f4 .kt-blocks-info-box-link-wrap{text-align:center;}}@media all and (max-width: 767px){.kt-info-box1597_59d1d9-f4 .kt-blocks-info-box-link-wrap{text-align:center;}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box1597_59d1d9-f4\"><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-column1597_468627-91 > .kt-inside-inner-col{display:flex;}.kadence-column1597_468627-91 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_468627-91 > .kt-inside-inner-col,.kadence-column1597_468627-91 > .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-column1597_468627-91 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_468627-91 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_468627-91 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1597_468627-91{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_468627-91{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_468627-91 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_468627-91 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_468627-91{position:relative;}@media all and (max-width: 1024px){.kadence-column1597_468627-91 > .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-column1597_468627-91{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_468627-91{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_468627-91 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1597_468627-91 > .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-column1597_468627-91{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_468627-91{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_468627-91 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1597_468627-91\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-icon.kt-svg-icons1597_0b9a1c-2e{justify-content:center;}@media all and (max-width: 1024px){.wp-block-kadence-icon.kt-svg-icons1597_0b9a1c-2e{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-icon.kt-svg-icons1597_0b9a1c-2e{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-icon kt-svg-icons kt-svg-icons1597_0b9a1c-2e alignnone\"><style>.kt-svg-item-1597_7517b1-a2 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1597_7517b1-a2 .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-1597_7517b1-a2\"><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-1597_87e2bc-d3 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1597_87e2bc-d3 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div 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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-1597_1d68b4-67 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1597_1d68b4-67 .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-1597_1d68b4-67\"><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-1597_43317f-03 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1597_43317f-03 .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-1597_43317f-03\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n<\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1597_be0474-cc, .wp-block-kadence-advancedheading.kt-adv-heading1597_be0474-cc[data-kb-block=\"kb-adv-heading1597_be0474-cc\"]{margin-top:20px;margin-bottom:23.5px;line-height:1em;font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading1597_be0474-cc mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1597_be0474-cc[data-kb-block=\"kb-adv-heading1597_be0474-cc\"] 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-heading1597_be0474-cc img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1597_be0474-cc[data-kb-block=\"kb-adv-heading1597_be0474-cc\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1597_be0474-cc, .wp-block-kadence-advancedheading.kt-adv-heading1597_be0474-cc[data-kb-block=\"kb-adv-heading1597_be0474-cc\"]{text-align:center!important;}}<\/style>\n<h3 class=\"kt-adv-heading1597_be0474-cc wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading1597_be0474-cc\">Get personalized quotes \u2014 Free, No-Obligation IUL Quote: Enter Info, Calculate A Deposit In 5 Min, Talk To An Agent. It Costs $0 To Run The Numbers &amp; Calculate A Recurring Deposit. No-Obligation IUL Estimate In 5 Min.<\/h3>\n\n\n<style>.wp-block-kadence-advancedbtn.kt-btns1597_472f4d-9d, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns1597_472f4d-9d, .wp-block-kadence-advancedbtn.kb-btns1597_472f4d-9d, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns1597_472f4d-9d{margin-top:40px;margin-right:0px;margin-bottom:-5px;margin-left:0px;}.wp-block-kadence-advancedbtn.kb-btns1597_472f4d-9d{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-start;align-items:center;}.kt-btns1597_472f4d-9d .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns1597_472f4d-9d{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns1597_472f4d-9d\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn1597_8a9015-0d.kb-button{width:initial;}<\/style><a class=\"kb-button kt-button button kb-btn1597_8a9015-0d kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-button__link wp-block-kadence-singlebtn\" href=\"\/getstarted\/\"><span class=\"kt-btn-inner-text\">Get Started<\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1597_52dccc-ab{margin-top:60px;margin-bottom:0px;}.kb-row-layout-id1597_52dccc-ab > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id1597_52dccc-ab > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id1597_52dccc-ab > .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:100px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1597_52dccc-ab > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1597_52dccc-ab > .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-id1597_52dccc-ab > .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-id1597_52dccc-ab 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-column1597_213253-da > .kt-inside-inner-col{display:flex;}.kadence-column1597_213253-da > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_213253-da > .kt-inside-inner-col,.kadence-column1597_213253-da > .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-column1597_213253-da > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_213253-da > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_213253-da > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1597_213253-da{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_213253-da{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_213253-da > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_213253-da > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_213253-da{position:relative;}.kadence-column1597_213253-da, .kt-inside-inner-col > .kadence-column1597_213253-da:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column1597_213253-da > .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-column1597_213253-da{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_213253-da{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_213253-da > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column1597_213253-da, .kt-inside-inner-col > .kadence-column1597_213253-da:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1597_213253-da > .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-column1597_213253-da{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_213253-da{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1597_213253-da > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1597_213253-da, .kt-inside-inner-col > .kadence-column1597_213253-da: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-column1597_213253-da\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\">What is Infinite Banking?<\/h2>\n\n\n\n<p class=\"\">Infinite banking is a personal finance strategy that leverages a cash value policy like an IUL policy as a \u201cpersonal bank.\u201d This includes taking loans against the policy and growing cash flow through the insurance\u2019s dividends.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Does Infinite Banking Work?<\/h2>\n\n\n\n<p class=\"\">The core of the infinite banking concept is a cash value life insurance policy. Once an IUL policy is in place,for example, it is possible to lend yourself money using the cash value as collateral. That avoids paying interest to lending institutions since a policyholder has his\/her own mini bank. It allows very fast access to extra funds, which are just an insurance company call away.<\/p>\n\n\n\n<p class=\"\">Typically, a indexed universa life insurance policy is used for the infinite banking concept. Participating life insurance means that a policy pays dividends, which allow contribution towards the cash value of the policy or to pay a part of insurance premiums.<\/p>\n\n\n\n<p class=\"\">A simple visual below highlights the key elements of the infinite banking concept.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><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\" style=\"width:766px;height:auto\" 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\"><strong>How to Start Infinite Banking<\/strong><\/h2>\n\n\n\n<p class=\"\">To begin infinite banking, you&#8217;ll need to work with a life insurance broker who can access a variety of cash value life insurance policies and help you choose the best option for your needs (considering premium rates, coverage, and dividend potential). The broker will create a financial plan focused on infinite banking and guide you through the process of setting up the policy.<\/p>\n\n\n\n<p class=\"\">In the USA, establishing an infinite banking policy involves selecting a cash-value life insurance policy, funding it with premiums, and structuring it to maximize cash value growth. This strategy enables policyholders to use the accumulated cash value as a financing tool for various purposes, such as investments, home renovations, or supplemental retirement income.<\/p>\n\n\n\n<p class=\"\">For example, Sarah, a 35-year-old professional, sets up an infinite banking policy and contributes $10,000 annually. When she needs $50,000 for home renovations, she borrows from her policy\u2019s cash value, avoiding traditional bank loans and maintaining control over her finances.<\/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\"><strong>Building Multi-Generational Wealth with Indexed Universal Life (IUL) Policies<\/strong><\/h2>\n\n\n\n<p class=\"\">Many wealthy individuals use the concept of infinite banking to grow multi-generational wealth, and the strategy can be highly effective when certain key requirements are met. One essential factor is the ability to secure a suitable indexed universal life (IUL) insurance policy at reasonable rates. If the rates are too high, for example, due to health conditions, the strategy may not be as effective.<\/p>\n\n\n\n<p class=\"\">Another critical requirement is having a stable financial foundation with a consistent income stream, as premiums for a sizable IUL policy are not insignificant. It&#8217;s crucial to ensure you can maintain premium payments to keep the policy in force. In many cases, it\u2019s recommended to allocate up to 10% of your income toward your IUL policy.<\/p>\n\n\n\n<p class=\"\">Additionally, a solid understanding of financial concepts like compound interest, policy loans, and the growth potential of IUL policies is essential, along with the discipline to manage the policy effectively for long-term benefits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Infinite Banking Pros and Cons<\/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?<\/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\n\n\n<p class=\"\"><\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id1597_feb027-68 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1597_feb027-68 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1597_feb027-68 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-right:0px;padding-bottom:80px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1597_feb027-68 > .kt-row-layout-overlay{opacity:0.50;}@media all and (max-width: 1024px){.kb-row-layout-id1597_feb027-68 > .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-id1597_feb027-68 > .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-id1597_feb027-68 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-column1597_075bd7-03 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1597_075bd7-03 > .kt-inside-inner-col,.kadence-column1597_075bd7-03 > .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-column1597_075bd7-03 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_075bd7-03 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1597_075bd7-03 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1597_075bd7-03 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_075bd7-03{position:relative;}@media all and (max-width: 1024px){.kadence-column1597_075bd7-03 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1597_075bd7-03 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1597_075bd7-03\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id1597_e9f75a-70 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1597_e9f75a-70 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1597_e9f75a-70 > .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-id1597_e9f75a-70 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1597_e9f75a-70 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1597_e9f75a-70 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1597_e9f75a-70 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-column1597_861c7c-28 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column1597_861c7c-28 > .kt-inside-inner-col,.kadence-column1597_861c7c-28 > .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-column1597_861c7c-28 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1597_861c7c-28 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1597_861c7c-28 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1597_861c7c-28 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1597_861c7c-28{position:relative;}@media all and (max-width: 1024px){.kadence-column1597_861c7c-28 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1597_861c7c-28 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1597_861c7c-28\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1597_78524c-fb, .wp-block-kadence-advancedheading.kt-adv-heading1597_78524c-fb[data-kb-block=\"kb-adv-heading1597_78524c-fb\"]{margin-bottom:40px;text-align:center;line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1597_78524c-fb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1597_78524c-fb[data-kb-block=\"kb-adv-heading1597_78524c-fb\"] 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-heading1597_78524c-fb img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1597_78524c-fb[data-kb-block=\"kb-adv-heading1597_78524c-fb\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading1597_78524c-fb wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1597_78524c-fb\">Top-rated insurance companies offering Indexed Universal Life (IUL) policies<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1597_fe34f7-26, .wp-block-kadence-advancedheading.kt-adv-heading1597_fe34f7-26[data-kb-block=\"kb-adv-heading1597_fe34f7-26\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1597_fe34f7-26 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1597_fe34f7-26[data-kb-block=\"kb-adv-heading1597_fe34f7-26\"] 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-heading1597_fe34f7-26 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1597_fe34f7-26[data-kb-block=\"kb-adv-heading1597_fe34f7-26\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1597_fe34f7-26 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1597_fe34f7-26\">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-1597_54805a-7c{padding-right:var(--global-kb-spacing-xl, 4rem);padding-left:var(--global-kb-spacing-xl, 4rem);}.wp-block-kadence-advancedgallery.kb-gallery-wrap-id-1597_54805a-7c{overflow:hidden;}.kb-gallery-id-1597_54805a-7c .kadence-blocks-gallery-item .kb-gal-image-radius, .kb-gallery-id-1597_54805a-7c .kb-slide-item .kb-gal-image-radius img{border-radius:0px 0px 0px 0px;;}.kb-gallery-wrap-id-1597_54805a-7c.wp-block-kadence-advancedgallery{overflow:visible;}.kb-gallery-wrap-id-1597_54805a-7c.wp-block-kadence-advancedgallery .kt-blocks-carousel{overflow:visible;}<\/style><div class=\"kb-gallery-wrap-id-1597_54805a-7c alignnone wp-block-kadence-advancedgallery\"><div class=\"kb-gallery-ul kb-gallery-non-static kb-gallery-type-carousel kb-gallery-id-1597_54805a-7c kb-gallery-caption-style-bottom-hover kb-gallery-filter-none\" data-image-filter=\"none\" data-lightbox-caption=\"true\"><div class=\"kt-blocks-carousel splide kt-carousel-container-dotstyle-dark kt-carousel-arrowstyle-none kt-carousel-dotstyle-dark kb-slider-group-arrow kb-slider-arrow-position-center\" data-columns-xxl=\"5\" data-columns-xl=\"5\" data-columns-md=\"3\" data-columns-sm=\"3\" data-columns-xs=\"2\" data-columns-ss=\"2\" data-slider-anim-speed=\"500\" data-slider-scroll=\"1\" data-slider-arrows=\"false\" data-slider-dots=\"true\" data-slider-hover-pause=\"false\" data-slider-auto=\"1\" data-slider-speed=\"5000\" data-slider-gap=\"20px\" data-slider-gap-tablet=\"20px\" data-slider-gap-mobile=\"20px\" data-show-pause-button=\"false\" data-slider-label=\"Photo Gallery Carousel\"><div class=\"splide__track\"><ul class=\"kt-blocks-carousel-init kb-gallery-carousel splide__list\"><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-inherit kb-has-image-ratio-inherit\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21.png\" width=\"177\" height=\"100\" alt=\"\" data-full-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21.png\" data-light-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21.png\" data-id=\"1394\" class=\"wp-image-1394 skip-lazy\"\/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-inherit kb-has-image-ratio-inherit\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-1.png\" width=\"177\" height=\"100\" alt=\"\" data-full-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-1.png\" data-light-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-1.png\" data-id=\"1396\" class=\"wp-image-1396 skip-lazy\"\/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-inherit kb-has-image-ratio-inherit\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-2.png\" width=\"177\" height=\"100\" alt=\"\" data-full-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-2.png\" data-light-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-2.png\" data-id=\"1399\" class=\"wp-image-1399 skip-lazy\"\/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-inherit kb-has-image-ratio-inherit\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-3.png\" width=\"177\" height=\"100\" alt=\"\" data-full-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-3.png\" data-light-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-3.png\" data-id=\"1401\" class=\"wp-image-1401 skip-lazy\"\/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-inherit kb-has-image-ratio-inherit\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-4.png\" width=\"177\" height=\"100\" alt=\"\" data-full-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-4.png\" data-light-image=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/logo-21-4.png\" data-id=\"1403\" class=\"wp-image-1403 skip-lazy\"\/><\/div><\/div><\/figure><\/div><\/div><\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>IUL Insurance Family Loans One of the major advantages of an indexed universal life insurance policy is the ability to access the cash value without incurring taxes. This benefit also allows you to utilize up to 100% of the cash value your policy has built up. How Does an IUL Loan Impact Your Policy? A&#8230;<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_kadence_starter_templates_imported_post":true,"_kad_post_transparent":"","_kad_post_title":"hide","_kad_post_layout":"fullwidth","_kad_post_sidebar_id":"","_kad_post_content_style":"unboxed","_kad_post_vertical_padding":"hide","_kad_post_feature":"hide","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-1597","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>IUL Insurance Family Loans &amp; infinite banking<\/title>\n<meta name=\"description\" content=\"One of the major advantages of an indexed universal life insurance policy is the ability to access the cash value without incurring taxes. This benefit also allows you to utilize up to 100% of the cash value your policy has built up. Infinite banking is a personal finance strategy that leverages a cash value policy like an IUL policy as a \u201cpersonal bank.\u201d\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/indexeduniversallife.us\/it\/assicurazione-iul-prestiti-infinito-bancario\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IUL Insurance Family Loans &amp; infinite banking\" \/>\n<meta property=\"og:description\" content=\"One of the major advantages of an indexed universal life insurance policy is the ability to access the cash value without incurring taxes. This benefit also allows you to utilize up to 100% of the cash value your policy has built up. Infinite banking is a personal finance strategy that leverages a cash value policy like an IUL policy as a \u201cpersonal bank.\u201d\" \/>\n<meta property=\"og:url\" content=\"https:\/\/indexeduniversallife.us\/it\/assicurazione-iul-prestiti-infinito-bancario\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-13T23:46:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/IUL-liquidity.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1240\" \/>\n\t<meta property=\"og:image:height\" content=\"629\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Tempo di lettura stimato\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minuti\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/indexeduniversallife.us\\\/iul-insurance-loans-infinite-banking\\\/\",\"url\":\"https:\\\/\\\/indexeduniversallife.us\\\/iul-insurance-loans-infinite-banking\\\/\",\"name\":\"IUL Insurance Family Loans & infinite banking\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/indexeduniversallife.us\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/indexeduniversallife.us\\\/iul-insurance-loans-infinite-banking\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/indexeduniversallife.us\\\/iul-insurance-loans-infinite-banking\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/indexeduniversallife.us\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/IUL-liquidity.jpg\",\"datePublished\":\"2024-09-19T17:40:35+00:00\",\"dateModified\":\"2025-05-13T23:46:17+00:00\",\"description\":\"One of the major advantages of an indexed universal life insurance policy is the ability to access the cash value without incurring taxes. 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