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#4 Ranked — Best for Families
Trusted by 3,800+ families protected

Protect Your Family's Future — For Life

Maximum death benefit, living benefits included, and a guaranteed 0% floor on cash value. Permanent coverage that never expires.

Day 1
Living benefits active
Lifetime
Coverage duration
0%
Guaranteed floor
No Lapse
Guarantee available
  • Maximum death benefit per premium dollar
  • Living benefits included at no extra cost
  • Guaranteed 0% floor on cash value
  • Permanent coverage — never expires

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Why the Protection-First IUL Works

Maximum Death Benefit

Structured to provide the highest possible death benefit per premium dollar — ensuring your family is fully protected.

Guaranteed 0% Floor

A guaranteed minimum interest rate ensures your cash value never decreases due to poor market performance.

Living Benefits Included

Access your death benefit early if diagnosed with a chronic, critical, or terminal illness — at no extra cost.

Family Rider Options

Add coverage for your spouse and children under the same policy, simplifying your family's protection plan.

"After my father passed without life insurance, I knew I had to do better for my family. The Protection IUL gave us a $1.2M death benefit with living benefits included. I sleep better knowing they're covered no matter what."

— Sandra K., RN, Chicago IL

Common Questions

Is there a minimum income requirement?
There is no minimum income requirement, but IUL policies are most effective for people earning $50,000+ annually who want to build supplemental tax-free wealth beyond their employer benefits.
How is this different from a 401(k) or Roth IRA?
A 401(k) and Roth IRA have annual IRS contribution limits ($23,500 and $7,000 in 2026). An IUL has no IRS contribution limits, provides a death benefit, includes living benefits, and allows tax-free access via policy loans.
What happens if the market crashes?
Your cash value has a 0% floor — meaning even if the index drops 40%, your cash value does not decrease. You simply earn 0% for that year rather than losing money.
How long does it take to get a quote?
A licensed advisor will contact you within 24 hours to prepare a personalized illustration. There is no cost and no obligation.

Ready to See Your Numbers?

A licensed advisor will prepare a personalized IUL illustration — at no cost, with no obligation.

This website is operated by licensed life insurance professionals. IUL policies are life insurance products — not securities or investment products. Policy performance depends on the index selected, cap rates, participation rates, and policy expenses. Past index performance does not guarantee future results. Tax-free access to cash value is achieved via policy loans, which accrue interest and reduce the death benefit if not repaid. Consult a licensed advisor and tax professional before making any financial decisions.

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