Indexed universal life insurance pairs permanent life coverage with cash value that is credited based on the performance of a market index, with downside protection built in. Family Life Solutions walks through the numbers so you can see whether an IUL fits your long-term plan.
Illustrative sample only. Actual crediting, cash value, income and death benefit are set by the issuing carrier and vary by product, health, age and state.
Indexed universal life insurance is permanent life insurance with flexible premiums, where cash value growth is linked to the performance of a stock market index like the S&P 500. Your principal is generally protected from index losses with a guaranteed minimum, while a cap or participation rate limits your upside.
Fort Campbell and Clarksville families often use IUL for two goals at once: a permanent death benefit for the family, and a supplemental source of tax-advantaged cash value they can access later for retirement income, a child's education, or emergencies. It works alongside, not instead of, the term or whole life coverage many families already carry.
Cash value is credited based on the movement of an index, typically with a cap and a floor, rather than being invested directly in the market.
Most IUL policies include a guaranteed floor, often zero percent, so a down market year does not erase your prior gains.
Universal life design allows you to adjust premium payments over time within policy limits as your budget changes.
An IUL can flex to fit more than one goal in the same policy.
Permanent protection for your spouse and children, as long as the policy stays funded under its terms.
Policy loans and withdrawals from accumulated cash value can supplement retirement income, subject to policy terms.
Some families build cash value earmarked for a child's education or to leave a lasting legacy alongside the death benefit.
Les walks Clarksville and Fort Campbell area families through the numbers before you commit to anything.
Tell Les whether you are focused on protection, growth, or both, along with your budget.
Les reviews carrier illustrations with you so you understand the caps, floors and fees before you decide.
Complete underwriting with your chosen carrier and set your funding schedule to match your plan.
Local IUL coverage details for towns across the Clarksville-Fort Campbell trade area.
See all service areas.
Indexed universal life, or IUL, is permanent life insurance that combines a death benefit with cash value growth linked to a market index like the S&P 500. You are not directly invested in the market, and gains are typically limited by a cap while losses are limited by a floor.
Most IUL policies include a guaranteed floor, often zero percent, that protects credited cash value from a down index year. Fees and cost of insurance can still reduce cash value over time, which is why reviewing the illustration with a licensed agent matters.
Term life provides a death benefit for a set number of years with no cash value. IUL is permanent and builds cash value over time, generally at a higher premium than term coverage for the same death benefit.
Yes, through policy loans or withdrawals, subject to the terms of your specific policy. Loans and withdrawals can reduce the death benefit and cash value if not managed carefully.
Yes. Family Life Solutions serves Clarksville, TN and the surrounding Fort Campbell, Oak Grove and Hopkinsville, KY communities, and Les is licensed in TN, KY, OH, VA, TX and NY.
Les will walk through real carrier illustrations with you so you can compare the numbers before you decide.
Tell us a bit about your coverage needs and Les will call with your exact numbers.
Your information has been sent to Lesley David Varisce at Family Life Solutions, who will call with your exact numbers within one business day.
Illustrative sample only. Your actual premium and any illustrated cash value growth depend on age, health, coverage amount and index performance, and vary by carrier and state.
