Indexed universal life (IUL) | Shield Life Insurance

How IUL Works: The Smart Way to Build Generational Wealth

Imagine watching your money grow faster, shielded from unnecessary taxes. That's the potential of an IUL policy.

IUL is more than just a savings vehicle; it's a flexible shield for your family. Unlike traditional life insurance, IUL offers the potential for higher returns by linking your policy to a market index. You get the best of both worlds: the opportunity for exponential financial growth and the security of a guaranteed death benefit.

With IUL, you're not just buying a policy; you're building a legacy.

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Is IUL Right for You?

IUL is a powerful financial tool, but it's not one-size-fits-all. It's well-suited for those who:

Want to grow their wealth tax-efficiently

If you're looking for a way to maximize your savings and minimize your tax burden, IUL offers a compelling advantage.

Need flexible life insurance coverage

Young families, those with growing businesses, or individuals with changing financial needs will appreciate the adaptability of IUL.

Desire a guaranteed death benefit with growth potential

IUL provides peace of mind knowing your loved ones are protected, while also offering the opportunity to participate in market gains.

Seek a safe and reliable way to build cash value

IUL offers a secure way to accumulate savings that you can access for emergencies, education expenses, or retirement income.

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Reliable Coverage, Tailored to Your Budget

Whether you're just starting out or looking for comprehensive coverage, we have a plan that's right for you.

Basic Coverage

Start with the essentials. Our Basic Coverage provides a solid foundation for protecting your loved ones, with flexible premiums, a guaranteed death benefit, and the potential for cash value growth.

Standard Growth

Take your protection to the next level. Standard Growth offers moderate market-linked returns, giving your cash value the potential to grow faster, while still maintaining flexible premiums and death benefit options.

Premium Protection

Life throws curveballs. Premium Protection ensures your policy stays active, even if you experience a financial setback. Enjoy peace of mind knowing your family is always protected, even if you miss or reduce premiums temporarily.

Explore our IUL options and find the perfect fit for your needs and budget.

Or simply schedule a call and our expert will guide you.

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Get Shielded in 3 Simple Steps

Follow three easy steps to choose, apply, and get covered for reliable life and health protection.

Step 1

Quick & Easy Application

No more endless forms or medical exams. Answer a few simple questions online, and you'll be on your way to coverage in under 5 minutes.

Step 2

Personalized IUL Policy Quote & Review

We'll provide a personalized quote tailored to your needs and budget. Our team will review your application and guide you through the next steps.

Step 3

Coverage & Peace of Mind

Once approved, you'll enjoy the confidence and peace of mind that comes with knowing your family's future is secured.

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Backed by Experience

At Shield Insurance, we're not just passionate about protecting families – we're experts at it.

15k+ Served

Thousands of families trust Shield to secure their financial future.

700+ Agents

Thousands of families trust Shield to secure their financial future.

30+ Carriers

Comprehensive coverage and access to quality care.

40% Savings Avg.

Helping you find the best plans at the most competitive rates.

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Indexed Universal Life Insurance Policy (IUL)

How IUL Works: The Smart Way to Build Generational Wealth

Is IUL Right for You?