Safe. Secure. Effective.
Life Insurance that creates wealth.
An IUL ignites your wealth with market-driven gains, forging a tax-deferred fortress while empowering you to be your own bank with tax-free loans for life’s biggest moves, all as your policy thrives. At Guardian Valley, our premier advisors harness this power, crafting a legacy that stands the test of time with absolute confidence.
Change the way you think about Life Insurance
At Guardian Valley, we challenge you to move beyond the traditional view of life insurance as merely a safety net for your loved ones and instead see it as a dynamic tool for financial empowerment and legacy building. Too often, people overlook the potential of life insurance to grow wealth alongside protection, and that’s where Indexed Universal Life (IUL) steps in—a sophisticated policy that blends a death benefit to secure your family’s future with a cash value component tied to market indexes, offering the chance for substantial growth with a protective floor against losses.
Flexible Premium Payments
Enables you to adjust premiums based on your financial situation, providing adaptable planning options. This flexibility ensures your policy evolves with your income and needs.
Access Emergency Cash
Provides immediate access to funds for emergencies through living benefit riders, ensuring peace of mind. This option integrates seamlessly with clients taking a self-banking approach.
Tax-Deferred Growth.
Allows your cash value to compound tax-deferred, with historical averages of 6–8% annually, maximizing wealth accumulation. This tax advantage enhances returns over decades, making it a powerful wealth building tool.
Frequently Asked Questions
What is an IUL, and how does it work?
An IUL is a life insurance policy that combines a death benefit with a cash value tied to market indexes like the S&P 500, offering growth potential with protection. It allows you to build wealth over time while securing your family’s future, making it a versatile financial tool.
How does an IUL help me be my own bank?
An IUL lets you borrow tax-free against your cash value for personal or business needs, acting as your own banking system. You repay on your terms, with interest benefiting your policy, enhancing financial independence.
What growth rates can I expect from an IUL?
IULs typically offer 5–12% annual returns based on market indexes, with a 0% floor to protect against losses. Growth depends on performance and caps. Our advisors analyze these rates to optimize your wealth-building potential.
How does an IUL offer tax-deferred growth?
An IUL’s cash value grows tax-deferred, meaning you don’t pay taxes on gains until you withdraw funds, allowing for greater compounding. This can result in 5–7% average annual growth without annual tax burdens.
Are IUL death benefits taxable?
No, IUL death benefits are generally paid to beneficiaries tax-free, preserving your legacy for your heirs. This tax advantage ensures your loved ones receive the full benefit without IRS deductions.
Are policy loans from an IUL taxable?
No, loans against your IUL’s cash value are typically tax-free, allowing you to access funds without IRS penalties. However, unpaid loans may reduce your death benefit if the policy lapses.
Redefining Life Insurance
Indexed Universal Life (IUL) policies are revolutionizing the traditional concept of life insurance, transforming it from a simple safety net into a multifaceted financial instrument that empowers your wealth-building journey. Unlike conventional policies that focus solely on death benefits, IULs integrate a cash value component tied to market indexes like the S&P 500, offering potential annual returns of 5–12% with a protective 0% floor, while allowing you to borrow against this value tax-free to act as your own bank for major expenses or investments.
