Indexed Universal Life (IUL) insurance is a flexible policy that offers financial protection for you or your business with tax free cash growth over time. Utilizing the power of the S&P 500 index, ensuring cash value growth between 4-9% annually by participating solely in market gains while avoiding loss due to the built-in floor. This approach not only safeguards your cash value but also allows it to grow without risk. Within 1-5 years, clients can borrow against their policy tax-free, offering a flexible resource for purchasing additional assets or funding significant life events, such as education for their children.