Indexed Universal Life

Protect Tomorrow, Benefit Today

IUL’s may be ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income.

Increasing the death benefit may be subject to additional underwriting approval.

Offers

  • Flexible death benefit

  • Flexible premium

  • Cash value grows based on an interest crediting strategy that is tied to changes in a market index such as the S&P 500.4

  • Downside protection through minimum guarantees3 to ensure that your cash value will not decline due to decreases in the Index.

Living Benefits

Living benefits allow you to access a portion of your life insurance death benefit while you’re still alive if you face a qualifying event such as a critical illness, chronic illness, or terminal diagnosis.

Key benefits include:

  • Financial flexibility during hardship – Use funds for medical costs, in-home care, or everyday living expenses.

  • Protection of retirement assets – Reduce the need to dip into savings or investments during a health crisis.

  • Peace of mind – Know that your coverage isn’t just for loved ones after you’re gone, but also a safety net for you during your lifetime.

  • Tax advantages – In most cases, living benefit payouts are received tax-free.

  • Preserves long-term plans – Allows you to maintain your retirement and legacy goals even after unexpected health challenges.

Living benefits transform life insurance from a policy you hope your family never needs into a practical, versatile tool you can rely on at any stage of life.

Why Work With JCM Insurance Solutions for Your IUL?
You deserve more than a generic quote or a one-size-fits-all policy. With JCM Insurance Solutions, you’ll get:

Custom Retirement & Protection Strategies
We take the time to understand your financial goals, risk tolerance, and family needs to design an IUL that works for you—both now and in retirement.

Long-Term Guidance & Support
We don’t just set up your policy and walk away. We help you monitor performance, adjust strategies, and ensure your plan stays aligned with your changing life.

Independent, Unbiased Advice
We partner with multiple top-rated carriers, giving you access to the best options available without being tied to one company’s products.

Serving clients nationwide with a personalized, relationship-driven approach to building wealth and protecting what matters most.

Retirement Planning

An IUL policy offers a unique combination of life insurance protection and tax-advantaged cash value growth. Premiums fund both the death benefit and a cash value account, which earns interest based on the performance of a market index (such as the S&P 500), with built-in downside protection through a zero-loss floor.

For retirement planning, an IUL can:

  • Provide tax-free income through policy loans or withdrawals, supplementing other retirement savings.

  • Offer market-linked growth potential without direct exposure to market losses.

  • Ensure lifelong coverage, creating a legacy for heirs while serving as a living financial resource.

  • Give flexibility in premium payments and death benefit adjustments as needs change.

  • Protect against taxes by allowing the cash value to grow tax-deferred and be accessed tax-free if structured properly.

With the right strategy, an IUL can act as both a safety net and a supplemental retirement income source, helping you preserve wealth and maintain financial security throughout retirement.