For over a decade, Burial Senior Insurance has helped seniors and families nationwide plan ahead with honest, affordable final expense coverage — no medical exams, no waiting periods, and no pressure. Our licensed agents guide you to the plan that fits your budget and your family’s needs.
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Indexed Universal Life (IUL) insurance offers permanent life insurance protection combined with a cash value account tied to stock market indexes (like the S&P 500). It allows you to build long-term tax-free wealth while maintaining a lifetime financial safety net for your family.
Unlike direct market investing, IUL policies come with a 0% floor guarantee—meaning your cash value will never decrease due to market downturns. It is one of the most powerful financial vehicles for accumulating tax-deferred cash value and accessing tax-free income during retirement.
Accumulate wealth and secure flexible lifelong protection without exposing your principal to market volatility.
Benefit from a 0% floor guarantee—your accumulated cash value never drops when index markets fall.
Interest earnings are pegged to major stock market indexes like the S&P 500 or Nasdaq-100.
Take tax-free policy loans during retirement without triggering income tax liabilities.
Adjust your premium contributions up or down as your budget and cash flow evolve.
Coverage never expires as long as policy cash values adequately maintain performance.
Watch your cash value grow without annual capital gains taxes slowing compound growth.
Tailor your cash value allocation across index strategies based on your growth preferences.
Links your cash growth directly to the top 500 US publicly traded companies for proven, consistent long-term performance.
Removes standard earnings caps in exchange for participation rates, giving you unlimited upside during strong market bull runs.
Offers a declared fixed interest rate credit similar to a traditional universal life policy for total stability.
Engineered for high earners, investors, and family planners seeking tax-advantaged financial growth.
Professionals maxing out traditional 401(k)s looking for tax-free wealth storage.
Individuals building an additional tax-free income stream for retirement years.
Families building flexible cash reserves for future college tuition costs.
Individuals preserving wealth tax-free for their next generation.
Savers who want stock market upside without risking their hard-earned capital.
Entrepreneurs using cash value policy loans to finance growth projects.
Traditional investments expose your principal directly to market crashes. With Indexed Universal Life, your money isn’t invested directly in stocks—instead, the insurance carrier credits interest based on the movement of a stock index.
When the market rises, your cash account grows up to a cap. When the market crashes, your account simply yields 0%—meaning you never lose a single dollar of your principal or past accumulated gains due to market declines.
A comprehensive financial instrument offering protection, leverage, and flexibility.
Complete protection against stock market losses.
Access cash value via tax-free policy loans at any age.
Fund your policy above standard IRA or 401(k) annual caps.
Full payout passed directly to beneficiaries tax-free.
Access death benefit early in case of chronic or critical illness.
Adjust coverage limits as your family's needs change.
(800) 718-4568
Simple steps to customize your permanent policy and cash growth model.
1
Determine your death benefit protection and optimal monthly contribution level.
2
Allocate your cash balance across S&P 500, uncapped, or fixed options.
3
Fill out standard digital application and health requirements.
4
Watch your cash value grow over time and access tax-free loans when needed.
Side-by-side analysis of key coverage and growth characteristics.
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FEATURE
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TERM LIFE
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TRADITIONAL WHOLE LIFE
|
INDEXED UNIVERSAL LIFE (IUL)
|
|---|---|---|---|
|
Duration
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Temporary (10–30 yrs)
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Permanent (Lifetime)
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Permanent (Lifetime)
|
|
Cash Value Growth
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None
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Fixed / Declared
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Index-Linked (Market Potential)
|
|
Downside Risk
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N/A
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None
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0% Guaranteed Floor
|
|
Premium Flexibility
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Fixed
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Fixed
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Flexible
|
|
Tax-Free Loans
|
No
|
Yes
|
Yes (High Liquidity)
|
IUL offers the maximum combination of upside interest growth, cash liquidity, and policy premium flexibility.
We properly structure IUL policies to maximize cash growth and minimize internal insurance charges.
We design policies to minimize cost of insurance and maximize cash accumulation.
Partner with A+ rated carriers specializing in long-term index performance.
Clear modeling of conservative interest caps and realistic projections.
Annual reviews to ensure your policy stays properly funded and performing optimally.
Start with a few basic details — takes less than a minute.
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Or Call: (800)-718-4568
Answer a few quick questions and one of our licensed agents will help you compare real quotes from top-rated carriers — no obligation, no pressure.
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If the underlying stock index loses 20% in a given year, your account is credited with 0% interest instead of a loss. Your accumulated principal and prior years' earnings remain fully intact.
Yes. Under current tax laws (IRC Section 7702), cash withdrawals taken as policy loans are not classified as taxable income, provided the policy remains active and in force.
An Index Cap limits the maximum interest percentage credited (e.g., capped at 9%), while a Participation Rate credits a percentage of the total index return (e.g., 80% of total market performance without a cap).
Yes. IUL policies offer flexible premiums. If your cash value account has accumulated enough reserves, you can lower or temporarily skip premium payments during unexpected financial changes.
While there are legal tax limits to prevent policies from becoming Modified Endowment Contracts (MEC), we structure your policy to accept maximum cash funding within IRS limits.
Burial Senior Insurance provides information and services related to burial insurance for senior citizens, including policy options and end-of-life support services.
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