Life is full of the unexpected. Are you looking for insurance that offers the flexibility you need to combat those twists and turns and guarantee protection for you and your family? Indexed Universal Life insurance is a sound choice. Along with providing a death benefit if you die, an Indexed Universal Life policy can also provides tax-deferred growth of your account value, growth linked to a formula based on changes in an equity-index, flexible premium options, a variety of riders and waivers, and two death benefit options. If set up and managed properly, an indexed universal life insurance policy (an IUL) can provide a retirement income free of income taxes using tax-free withdrawals and zero-cost, or low-cost, policy loans.