Indexed Universal Life (IUL): The Modern Wealth Strategy
Participate in market gains without the risk of market losses.
Rethink What Life Insurance Can Do
Most people think of life insurance as something that only pays out when you pass away. An Indexed Universal Life (IUL) policy can be different—it can provide a permanent death benefit while also building cash value that may be accessed during your lifetime.
Key Benefits of an IUL
Downside Protection
Your cash value can be protected
by a 0% floor.
Upside Potential
Growth can be linked to a market index
(like the S&P 500) up to a cap.
Tax-Advantaged Access
Many strategies allow you to access cash value in a tax-advantaged way.
Common Use Cases
Tax-free Retirement Supplementation
College Funding
Strategies
Generational Wealth
Transfer
Want to See If an IUL Fits Your Goals?
Tell us what you’re looking for and we’ll outline potential options.
Donald Cunningham is an independent agent representing various insurance carriers through Freedom Equity Group. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. This website is for informational purposes only and should not be construed as tax or legal advice.
© 2026 DSC Enterprise - Donald Cunningham with Freedom Equity Group. All Rights Reserved.