Grow Your Wealth.

Protect What Matters.

Indexed universal Life gives you more than just insurance - it's a flexible financial strategy that builds long-term wealth, protects your legacy, and gives you peace of mind through every season of life.

No Surprise fees. No complex jargon.

Just a clear plan for a more secure future.

"After years of chasing returns, Thrive showed me a smarter way. My IUL grows steadily, stays protected, and gives me tax-free access—finally, a strategy that actually works for my future."

- Christian Moore

I consent to receive SMS notifications, alerts & occasional marketing communication from Thrive My Wealth. Message & data rates may apply. Reply STOP to unsubscribe.

Plan Your Dream Retirement with Indexed Universal Life Insurance

Combine Flexibility, Growth, and Security to Optimize Your Retirement Savings

Retirement is a time for relaxation and enjoyment, not financial stress. With Indexed Universal Life (IUL) insurance, you gain a versatile financial tool that not only provides life insurance protection but also builds cash value that grows in line with market indexes. Designed for those who seek more than just a traditional retirement account, IUL offers tax-deferred growth, access to cash without penalties, and no mandatory distribution requirements.

Pre-Qualify Now

Customize Your Financial Strategy with IUL

Tax-Deferred Growth:
Maximize your earnings with IUL’s tax-deferred cash value growth, allowing your investments to grow faster without immediate tax implications.
Flexible Access to Funds:
Unlike 401(k)s and IRAs, IUL provides you with the flexibility to access your funds through loans or withdrawals, free from age-related penalties and mandatory distributions.
Stable Returns with Market Upside:
Benefit from the potential of market-linked returns without direct exposure to market risk, thanks to IUL’s unique crediting methods that include a guaranteed minimum interest rate.

Understanding Indexed Universal Life

Savings Benefits

Learn how an IUL can grow your money tax-free, leveraging the power of compound interest to secure your future.

Comparison to 401k & Roth IRA

Here's a straightforward comparison of how an IUL can offer more flexibility and potential for growth compared to 401(k)s and Roth IRAs

Protect Family Finances and Assets

An IUL not only protects your family with a life insurance benefit but also helps you build a robust financial safety net, giving you peace of mind.

Build a Legacy for Future Generations

IUL can be a cornerstone of a legacy plan that supports their education and much more, without burdening them with the need to work as hard as you did.

IUL Policy Customization

Learn what information and decisions you need to make. Customize your IUL to align perfectly with financial goals, and adapt to your financial situation.

Download Your IUL Guide

Our Indexed universal life guide, will help you understand where you are at and where you are going

I consent to receive SMS notifications, alerts & occasional marketing communication from Thrive My Wealth. Message & data rates may apply. Reply STOP to unsubscribe.

Tailored Solutions

Empowering Your Financial Journey

Education Funding

Fund Your Child’s Education through Indexed Universal Life Insurance

Benefits of using IUL for education funding, such as tax-free loans and withdrawals.
How to build and access funds over time, including timing strategies for disbursements.
Real-life examples of how families have used IUL for educational expenses.

Invest in your child’s future today. Use IUL to build and access funds tax-free, ensuring their educational aspirations are met without financial strain.

Plan a Prosperous Retirement with Indexed Universal Life Insurance

How IUL contributes to retirement savings with tax-deferred cash value growth.
Comparison with traditional retirement accounts, highlighting the benefits of no required minimum distributions and flexible withdrawals.
Case studies showcasing successful retirement strategies using IUL.

Secure a retirement filled with peace and prosperity. Learn how IUL contributes to a robust retirement plan with its tax-deferred growth and flexible access to funds.

Legacy Building

Create a Lasting Legacy with Indexed Universal Life Insurance

Using IUL to provide a tax-free inheritance to beneficiaries.
Benefits of IUL in estate planning, including asset protection and estate tax strategies.
Success stories from clients who have effectively built and passed on legacies.

Create a lasting impact. Utilize IUL to pass on wealth to the next generations efficiently, ensuring your legacy lives on.

Leverage Indexed Universal Life Insurance for Strategic Business Planning

Use of IUL in business for key person insurance, buy-sell agreements, and deferred compensation plans.
Tax advantages for both the business and the employees.
Examples of businesses that have used IUL to secure and enhance business financial plans.

Protect and enhance your business financial strategies. Discover the strategic uses of IUL in safeguarding your business’s future and rewarding key employees.

Tyrone Ward

Financial Strategist &

Consultant

Testimonials

Elliot Rogers

Thrive made understanding IUL simple. I now have tax-free retirement income, peace of mind, and a plan that protects my family—no Wall Street rollercoaster, just real growth and flexibility.

Samantha Sharpe

I never thought insurance could be a smart wealth tool until I met the Thrive team. Their IUL strategy gave me control, growth potential, and zero stress about market dips.

Mark Rowe

Thanks to Thrive, I have a retirement plan that grows without limits and protects my legacy. The personalized guidance made all the difference. This isn’t insurance—it’s empowerment.

Frequently Asked Questions

What is Indexed Universal Life (IUL) Insurance?

Indexed Universal Life (IUL) insurance is a type of permanent life insurance that provides both a death benefit and a cash value component. The cash value's growth is linked to a market index, such as the S&P 500, offering potential for higher returns while also providing a guaranteed minimum return to protect against market downturns.

How does IUL differ from other types of life insurance?

Unlike traditional universal life insurance, which offers a fixed interest rate, or variable universal life insurance, which allows investment in various securities, IUL offers the potential for higher returns through market indexes without directly investing in the market. This provides a unique blend of growth potential and downside protection.

What are the key benefits of IUL?

IUL policies provide several key benefits:
Death Benefit Protection: A tax-free payout to beneficiaries upon the insured’s passing.
Cash Value Accumulation: Opportunity for growth based on market index performance, accessible through loans or withdrawals.
Tax Advantages: Tax-deferred growth of cash value and potential for tax-free loans and withdrawals under certain conditions.

How can I access the cash value in my IUL policy? Is there a penalty for withdrawing funds from my IUL policy?

Policyholders can access the cash value through loans or withdrawals, which can be tax-free if managed properly. This makes IUL a flexible option for funding retirement, education expenses, or other financial needs.

Withdrawals may be tax-free up to the amount of premiums paid into the policy. Loans can also be taken against the policy’s cash value without tax implications, provided the policy is not surrendered or lapsed.

What interest crediting methods are used in IUL policies?

IUL policies may use various interest crediting methods, including:Point-to-Point: Measures the change in the index from one specific point in time to another.Monthly Sum: Adds up changes in the index each month over a year.Monthly Average: Averages the index values over the year and compares it to the beginning value.

Can I customize my IUL policy? What should I consider before purchasing an IUL policy?

Yes, IUL policies offer various customization options to fit individual needs:

Riders: Such as long-term care, critical illness, and others.

Adjustable Premiums and Death Benefits: To adapt to changing financial situations.

Before purchasing IUL, consider:

Financial Goals: Ensure the policy matches your long-term financial objectives.

Risk Tolerance: Understand the potential for variable returns.

Policy Costs: Be aware of fees and charges that may impact the policy's value.

How are funds within an IUL policy invested?

The funds in the cash value component of an IUL policy are not directly invested in the market. Instead, the insurance company uses financial instruments to mirror the performance of a specified index, while protecting your investment with a guaranteed minimum interest rate.

What happens if the market declines?

If the market declines, your IUL policy is protected by a guaranteed minimum interest rate, often set at 0% to 1%. This means that even if the market index performs poorly, the cash value of your policy will not experience a loss due to market declines during that term.