The Power of Indexed Universal Life as an Asset

For insurance agents looking to provide their clients with more than just traditional life insurance protection, Indexed Universal Life (IUL) offers a unique combination of benefits. Beyond the death benefit, IUL policies provide tax-advantaged cash value accumulation, income potential, and living benefits like long-term care (LTC) riders. 

At Ohlson Group, we specialize in helping agents structure and present IUL solutions tailored to their clients’ needs. Whether you’re new to selling IUL or looking to refine your approach, our Life Insurance Director, Levon Justice, and our experienced team are here to help. 

Why Indexed Universal Life? 

IUL is more than just life insurance—it’s an asset. Unlike term policies that only provide a death benefit, IUL allows policyholders to: 

• Build Cash Value with Market-Linked Growth – IUL policy cash values track stock market indices (like the S&P 500), giving clients the opportunity to grow their cash value without direct market risk. Gains are locked in, and with floor protection, policyholders never lose value due to a market downturn. 
• Tax-Advantaged Growth and Income – The cash value inside an IUL policy grows tax-deferred, and if structured correctly, policyholders can access this money tax-free through policy loans and withdrawals. This makes IUL an excellent source of supplemental retirement income. 
• Living Benefits - More Than Just a Death Benefit – Many IUL policies come with built-in or optional long-term care (LTC) and chronic illness riders. These allow clients to access a portion of their death benefit to cover LTC expenses—an increasingly important feature given rising healthcare cost. 
• ​Flexible Premiums and Protection – Unlike whole life insurance, IUL policies offer premium flexibility, allowing policyholders to adjust contributions over time based on their financial situation. 

​IUL as a Retirement Strategy 

One of the biggest selling points of IUL is its potential to create a tax-free income stream in retirement. By leveraging the tax-free loan provisions built into these policies, clients can supplement their retirement without increasing their taxable income—helping them avoid higher tax brackets, Social Security taxation, and Medicare surcharges. 

Compared to other retirement savings vehicles like 401(k)s and IRAs, IUL offers: 

• No contribution limits (unlike qualified retirement plans) 
• No required minimum distributions (RMDs) 
• Tax-free income potential 
• Market-linked growth without downside risk 

Levon Justice and the Ohlson Group Can Help

At the Ohlson Group, we work closely with agents to structure Indexed Universal Life cases that sell. Whether your client is looking for tax-free retirement income, legacy planning, or living benefits, we can help tailor a policy that meets their needs. 
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• Levon Justice, our Life Insurance Director, brings years of experience in designing IUL solutions and helping agents close cases. 
• We work with multiple top-rated carriers, ensuring you have access to the best IUL products on the market. 
• Need help with other life insurance cases? We assist with all types of life insurance sales, from term and whole life to advanced estate planning solutions. 

​Let’s Build Your Next IUL Case 

Selling Indexed Universal Life is not just about offering life insurance—it’s about helping clients create a financial asset that provides protection, growth, and tax-efficient income. At the Ohlson Group, we’re here to guide you every step of the way. 

Contact us today to discuss your next IUL case and see how Levon Justice and our team can help you succeed. Whether it’s an IUL strategy or any other life insurance need, we have the expertise and support to help you grow your business.   

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Until Next Time – Good Selling!

Levon Justice
Life Insurance Director
Ohlson Group
1-877-844-0900