Most flexible IUL strategy — ideal if you're not sure which approach fits your goals.
/Balanced IUL
Best All-Around — Balanced Strategy

The Best of Growth
and Protection — Combined

Growth, protection, and flexibility — all in one policy. The most versatile IUL strategy, designed to adapt as your life evolves.

Best starting point for first-time IUL buyers
Dual
Growth + protection
Best
Rider availability
Flexible
Premium structure
All Ages
Suitable for
Free Balanced IUL Quote

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A licensed advisor will design a balanced IUL illustration tailored to your goals.

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One Policy. Every Financial Goal.

Most people don't need to choose between growth and protection — they need both. The Balanced IUL provides meaningful death benefit coverage for your family today, builds cash value you can access tomorrow, and includes comprehensive riders for life's unexpected events.

Meaningful Cash Value Growth

Balanced allocation between death benefit and index accounts delivers solid long-term cash value accumulation.

Strong Death Benefit

Maintains a substantial death benefit to protect your family while still building meaningful cash value.

Flexible Funding

Adjust your premium payments as your income and financial priorities change over time.

Comprehensive Riders

Access the widest range of riders — chronic illness, disability, waiver of premium, and more.

How Balanced Compares to Other Strategies

Cash Value GrowthBalanced: 80%
Growth: 100%Protection: 40%
Death Benefit SizeBalanced: 75%
Growth: 40%Protection: 100%
Rider OptionsBalanced: 100%
Growth: 60%Protection: 80%
Premium FlexibilityBalanced: 90%
Growth: 70%Protection: 85%

Is the Balanced IUL Right for You?

You want both life insurance protection and cash value growth
You're new to IUL and want the most versatile, adaptable option
You have a family to protect but also want to build wealth
You want comprehensive rider options for chronic illness or disability
You expect your financial priorities to change over the next 10–20 years

Or Explore a More Focused Strategy

Not sure the Balanced IUL is right? Compare the others:

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IUL policies are not FDIC insured. Past performance does not guarantee future results. Consult a licensed advisor.

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