Index Universal Life Insurance in Phoenix

Maintain a death benefit while getting the tax-deferred cash accumulation to ensure a stress-free retirement.

What is Index Universal Life Insurance?

With an index universal life insurance, a policyholder can decide the amount of value to be assigned to equity or fixed indexed accounts. It is a permanent life insurance policy that involves cash accumulation through an equity index for premium financing plans, business owners, and even for estate planning vehicles. Index universal life insurance is an advanced life insurance product as it has much more growth potential compared to fixed universal and whole life insurance policies.

If you are looking for the right insurance agents who can help you find the best IUL policy provider in Phoenix for cash value accumulation and death benefit protection, then choose Heroes Financial Group in Phoenix!


How does (IUL) Index Life Insurance Policy Work?

When you are getting an index universal life insurance policy, the insurance service provider helps you choose an index i.e., cash value account as well as your death benefit. As premiums are paid, a set amount of life insurance policy is paid on the insured’s life. A portion is paid to the beneficiary while the rest of the amount is added to the cash value account.  

The cash value is credited into the account as per the increase in the equity index. As an IUL policyholder, you may borrow the cash value that is accrued in the index universal life insurance provided by your chosen insurance company. If you are unable to pay the loans, the amount is deducted from your death benefit. 

Some insurance companies allow policyholders to select multiple indexes. You can decide the set percentage for the indexed and fixed accounts. The index you selected is compared at the beginning and then at the end of the month or year. If the index increases in the middle of the month, the interest value is added to the cash value.

What are the Benefits of Index Universal Life Insurance?

Affordable and Flexible:

There are low premiums as the policyholder bears the risk associated with the plan. Premiums are also flexible, as there is a minimum you need and a maximum premium amount you can put into your policy.

Accumulation of Cash Value:

The amount added to the cash value grows tax-deferred, which means you won’t have to pay taxes on it each year as it grows in value.

Death Benefit:

There is a permanent benefit with the IUL policy. It is not dependent on death or income taxes.

Less Risky:

As the policy is not associated with the stock market, thus the policyholder stays out of the risk.


The IUL policy offers a host of optional riders from no-lapse guarantees to death benefit guarantees.

No limitations:

There is an unlimited contribution on an annual basis.

Easy Distribution:

The cash value can easily be accessed by the person at any time without any penalty. It can also be accessed tax-free.

How Heroes Financial Group Will Help you?

If you are looking for an index universal life insurance in Phoenix, then we are here to help you find the best! Heroes Financial Group is a dedicated and experienced team of insurance agents that understand your insurance needs to find the perfect index universal life insurance policy. Being a leading team in the insurance field, we try our best to deliver you the best results that are beyond your expectations. 

Why Should You Choose Us?

Why Should You Choose Us?

If you want to protect your family while getting tax-deferred growth, tax-free withdrawals, and unlimited contributions, then you should consider our experts at Heroes Financial Group. Our insurance agents will help you know the index universal life insurance cost according to your preferences. 

To know more details about the index universal life insurance policy and get the best products and services in and out of Phoenix, contact us now!