Indexed universal life (IUL) is a type of permanent life insurance whose cash value crediting is linked to the performance of a market index, subject to caps, floors, and participation rates. Infante Insurance Group works with a network of carriers to help individuals across Florida and Texas — from Miami-Dade and Tampa to Orlando, West Palm Beach, Houston, and Dallas — understand whether IUL fits their goals — in English or Spanish.
Coverage Options
An IUL policy combines a permanent death benefit with a cash value component whose growth is tied to an index, such as a stock market index, rather than being invested directly in it. Caps limit the maximum credited return in a strong index year, while floors (often 0%) can help protect against a negative credited return, though this varies by contract. Participation rates determine what portion of index gains are credited. Fees, charges, and the specific crediting method differ meaningfully between carriers, so reviewing the illustration carefully with a licensed agent is important.
Who May Need This
This is worth exploring if you want permanent life insurance with growth potential linked to market performance without being directly invested in the market, have maximized other tax-advantaged savings vehicles, or want a policy with some flexibility in premiums and death benefit.
Where You're Covered
IUL policies are often discussed as part of a longer-term financial strategy for families and business owners across Florida and Texas. Because these policies involve more complexity than term or whole life, working through an in-depth illustration with a licensed agent — including best-case, worst-case, and guaranteed scenarios — is especially important before deciding, wherever you’re based.
Need help in Spanish? We offer service in English and Spanish.
This information is for general educational purposes only and does not replace policy documents, legal advice, or personalized insurance guidance. Coverage options may vary by carrier, policy, state, underwriting, exclusions, limitations, and individual circumstances.
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Quick answers to the questions we hear most often.
No — an IUL is not a direct investment in the market. Cash value crediting is linked to an index’s performance, subject to caps, floors, and participation rates defined in the contract.
Often Coordinated Together