Whole Life & Indexed Universal Life Insurance
Protect your family. Grow cash value you can actually use.
IUL and whole life explained simply: how they work, what they cost and which one fits your goals. Then compare real options from 80+ top-rated insurance companies with a licensed advisor.
- Licensed advisor, not a call center
- Access to 80+ carriers
- No pressure, no obligation
Why permanent life insurance
One policy. Three jobs.
Term insurance only pays if you pass away during the term. Permanent life insurance can protect your family for life and build a living asset along the way.
Lifetime protection
A death benefit designed to last your whole life, so your family, mortgage and business are covered no matter when.
Tax-advantaged growth
Cash value grows tax-deferred. Whole life grows on a guaranteed schedule; IUL grows with index-linked interest and a 0% floor.
Money you can access
Borrow against your cash value for retirement income, college, a business or emergencies, on your schedule.
Side by side
IUL vs Whole Life at a glance
| Whole Life | Indexed Universal Life (IUL) | |
|---|---|---|
| Premiums | Fixed, guaranteed level | Flexible within limits |
| Cash value growth | Guaranteed rate + possible dividends | Linked to an index (e.g. S&P 500) with a cap and a floor |
| Market losses | None | Floor (often 0%) protects credited interest |
| Growth potential | Steady, predictable | Higher potential, less predictable |
| Best for | Certainty, legacy, “infinite banking” | Flexibility, growth, supplemental retirement income |
Who it's for
Is permanent life insurance right for you?
It's not for everyone, and we'll tell you if it isn't. It tends to fit people who:
- Have maxed out or want an alternative to their 401(k) and IRA
- Want to leave a tax-free legacy to their kids or a charity
- Own a business and need buy-sell or key-person coverage
- Want protection that also builds a living asset
- Earn too much to contribute to a Roth IRA
How it works
- Tell us your goals. Protection, retirement income, legacy, or all three.
- We shop 80+ carriers. Whole life and IUL designs built to fit your budget.
- See it side by side. Plain-English illustrations, costs and trade-offs.
- You decide. No pressure. Ever.
Meet your advisor
Gregory Stevenson
Gregory is the founder of Pacific Ridgeway Insurance Solutions and author of Indexed Annuity Secrets. His mission is simple: help families protect, grow and distribute their wealth with clear answers, not sales pitches.
Education first. Client first. If a policy doesn't fit your goals, he'll tell you.
Learn
Straight answers
Can life insurance provide tax-free retirement income?
How policy loans work, and the rules that keep them tax-free.
IULIUL caps, floors & participation rates
The three numbers that decide how your IUL grows.
Whole LifeInfinite banking, explained simply
What “be your own bank” really means, and what it doesn't.
What is the difference between IUL and whole life insurance?
Whole life has a guaranteed level premium, a guaranteed cash value schedule and may pay dividends. Indexed universal life (IUL) has flexible premiums and credits interest based on a market index like the S&P 500, with a cap on the upside and a floor (often 0%) that protects credited interest from market losses.
Can life insurance help with retirement?
Permanent life insurance builds cash value you can access through policy loans or withdrawals. When the policy is designed and funded correctly and stays in force, that access is generally income-tax-free. It works best as one part of a plan, alongside your other savings.
Is a free policy review really free?
Yes. Gregory reviews your goals or your current policy, compares options from top-rated carriers and explains them in plain English. There is no cost and no obligation.
Not sure which policy fits you?
Get a free, no-pressure review. We'll compare whole life and IUL options from top-rated carriers side by side.