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Licensed life insurance agent · Serving clients nationwide

Growth potential, without the risk.

Index Universal Life is permanent coverage where your cash value can grow with the market — with a guaranteed floor so a downturn never costs you money you've already earned.

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Shopping your case across top-rated carriers, including

Americo Ethos Mutual of Omaha Transamerica Royal Neighbors of America Corebridge Financial
What it is

Permanent coverage, market-linked growth.

IUL is a type of permanent life insurance where your cash value growth is tied to the performance of a market index, like the S&P 500 — without your money actually being invested in the market.

That means you get a share of the upside in good years, and a guaranteed floor (often 0%) protects you from losing value in bad years. Premiums are also flexible, so you have more control than a traditional whole life policy.

0%
Guaranteed floor — never lose to a market downturn
Flexible
Premiums you can adjust over time
Deferred
Tax-deferred cash value growth
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50 states
Licensed nationwide
15+ carriers
Independent access to top-rated insurers
What it can look like

An illustrative example

Every quote is personal, but here's what an IUL policy can look like for a healthy 35-year-old.

Coverage amount$250,000
Starting monthly premium$180 per month
Guaranteed floor0% — never negative
Premium flexibilityAdjustable over time

Example only, based on a healthy 35-year-old, preferred rate class. Index-linked growth, caps, and participation rates vary by carrier and are not guaranteed beyond the policy's floor — Permacare will walk you through a specific carrier's illustration and get you an exact quote before you commit to anything.

Who it's for

Built for people who want more upside.

Growth-minded savers

You like the idea of index-linked growth potential without directly risking your principal in the market.

Flexible planners

You want the ability to adjust your premium payments as your income or goals change.

Long-term thinkers

You're building both a death benefit and a supplemental source of tax-deferred savings for the future.

What's included

The key features

Cash value growth linked to a market index
Guaranteed floor protects against market downturns
Flexible premium payments
Tax-deferred cash value growth
Adjustable death benefit over time
Potential for higher growth than whole life
Is this the right fit?

IUL vs. whole life

Both are permanent, both build cash value — the difference is how that cash value grows and how much control you have over premiums.

Whole life

Fixed, predictable

  • Cash value grows at a fixed, guaranteed rate
  • Premium is fixed and level for life
  • Simpler to plan around, with no market-linked variability
IUL · Permacare

Flexible, index-linked

  • Cash value growth is tied to an index, with a guaranteed 0% floor
  • Premium payments can be adjusted as your situation changes
  • More upside potential, with more moving parts to understand

Both are legitimate, well-used tools — Permacare walks you through both honestly before you decide. Not sure which one you need? That's exactly what the first call is for.

How it works

Get covered in 3 easy steps

No middlemen, no guesswork — just three simple steps to a rate that's yours.

STEP 01
1

Quick conversation

A 15-minute call about your family, your budget, and what protection actually makes sense right now.

STEP 02
2

Matched to a carrier

Permacare shops your case across top-rated insurers to find the strongest rate for your health and goals.

STEP 03
3

Locked in

Once approved, your rate and coverage are set. Nothing changes again unless you want it to.

Got questions?

FAQ

No. Your cash value growth is calculated based on an index's performance, but your premium isn't directly invested in the market — that's what allows for the guaranteed floor.
The floor is the minimum guaranteed return, often 0%, which means your cash value can't lose money to market performance even in a down year.
Yes, that flexibility is one of the main differences from whole life — you can adjust payments within policy limits as your situation changes.
Whole life grows cash value at a fixed, guaranteed rate with a fixed premium. IUL ties growth to a market index (with a guaranteed floor so you can't lose value to a downturn) and lets you adjust premiums over time — more potential upside, with more moving parts to understand.
It depends on the carrier and coverage amount. Some IUL policies use simplified underwriting with no exam required; larger policies may call for a quick health questionnaire. We'll tell you exactly what applies before you apply.
Carriers typically set a cap (a limit on how much index gain you're credited) and may charge policy fees that vary by product. These details differ by carrier — Permacare will walk you through the specific illustration for any policy before you apply.

Ready to see what your rate looks like?

One short call is all it takes to find out what you qualify for. No pressure, no obligation — just real numbers.

See your rate Call (443) 815-8024 or email life@permacareco.com