Indexed-Universal Life Insurance

Indexed Universal Life Insurance (IUL)​

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Indexed Universal Life Insurance is a flexible financial protection option for individuals and families, offering a death benefit and the ability to build cash value tied to market index performance, with no risk of losing value when the market declines.

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The cash value component can be accessed to supplement retirement income, cover future premiums, or handle unexpected financial needs. IUL policies grow over time with tax advantages, giving you both lifelong protection and long-term growth potential.

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Indexed Universal Life Insurance can:

• Provide a death benefit to your loved ones

• Accumulate tax-deferred cash value based on a market index

• Offer flexible premium payments

• Allow you to access funds to supplement retirement or manage future expenses

• Protect your savings from market downturns with a guaranteed floor

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At The Valor Group, we partner with a wide range of trusted insurance carriers to help you find the right IUL policy based on your goals, budget, and stage of life. Our veteran-founded team is here to guide you through every step — with honesty, clarity, and care.

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Contact The Valor Group today to learn if an IUL policy is right for you.