Floor in a down year, guaranteed

For Ages 30–55, Building Wealth

The Market Can Crash.Your Cash Value Never Goes Backward.

Indexed universal life insurance grows your cash value when the market's up and locks in a 0% floor when it's down, tax-advantaged, with permanent coverage built in. See if you qualify in under a minute.

← Takes only 60 seconds

Free Strategy Snapshot

See Your Growth Potential

Takes 60 seconds, no obligation.

What's your age range?

Step 1 of 9, determines your growth timeline

Under 35

35–45

46–55

56–65

What's your gender?

Step 2 of 9, insurers rate men and women separately

Life insurance rates are calculated separately for men and women. Every application asks for it.

Male

Female

Do you use tobacco?

Step 3 of 9, affects your rate and how fast cash value builds

Tobacco use changes your cost of insurance, which is what determines how much of each premium goes to cash value instead of the policy charge.

No tobacco use

Yes, I use tobacco

How's your health these days?

Step 4 of 9, helps shape the right policy for you

Health affects your rate and how efficiently your premium builds cash value. Nothing here disqualifies you, it just shapes your policy design.

Excellent

Good

Fair

Managing conditions

What's your main goal?

Step 5 of 9, shapes your policy design

Your goal changes how your agent structures the policy. Some designs favor cash growth, others favor a larger death benefit.

Tax-advantaged retirement income

Grow savings without market risk

Leave a tax-free inheritance

Supplement my 401(k) or IRA

What death benefit are you aiming for?

Step 6 of 9, the protection side of the policy

An IUL has two sides: the death benefit and the cash value. Your agent balances the two, a lower death benefit usually means faster cash accumulation.

$100,000 – $250,000

$250,000 – $500,000

$500,000 – $1,000,000

$1,000,000+

I'd rather maximize cash value

Who would this coverage go to?

Step 7 of 9, the person your agent will list on the policy

Your beneficiary receives the death benefit tax-free. Naming one now saves a step at application time, and you can change it later.

My spouse or partner

My children

Another family member

I haven't decided yet

How much could you put toward this monthly?

Step 8 of 9, sets your contribution range

More going in early means more time compounding tax-advantaged. Your agent will show you exact numbers for a few contribution levels.

$100–$250

$250–$500

$500–$1,000

$1,000+

Last step, where should we send your snapshot?

A licensed agent will reach out within 24 hours to walk through your numbers, no obligation.

Best time for your agent to reach you?

Morning

Afternoon

Evening

Anytime

By submitting, you agree that Clearpath Quote will match you with one licensed insurance agent, who will contact you by phone, text, or email regarding indexed universal life insurance coverage — including by automatic telephone dialing systems and prerecorded or artificial voice messages. Consent is not a condition of purchase. Msg & data rates may apply. You may opt out at any time.

You're All Set

A licensed agent will review your goals and reach out within 24 hours with your personalized growth snapshot. No pressure, no obligation to move forward.

0Policies issued this month

$340Avg monthly premium

91.4%Approval rate

24–36 hrsTime to strategy call

How It Works

Tell Us Your Goals

Answer 4 quick questions about your age, income, and what you want this policy to do — we only ask for contact info once you're ready.

Get Your Growth Snapshot

Within 24 hours, a licensed agent walks through a policy design matched to your goals, including realistic cap and floor numbers from a few carriers.

Apply With Full Transparency

Your agent walks you through underwriting — timelines vary by carrier and coverage amount — so you know exactly what to expect before you sign anything.

A woman in business attire, smiling with quiet confidence

What her policy lost when the market dropped 18% in 2022

"My 401(k) dropped $60,000. My policy didn't move."

Denise didn't think about her IUL policy much. She'd opened it six years earlier on her advisor's recommendation, mostly as an afterthought next to her 401(k), the account she actually paid attention to.

Then 2022 happened. Her 401(k) dropped almost $60,000 in eight months. She stopped checking the balance. Her husband started talking about pushing retirement back another three years.

Her IUL statement came the same week. Cash value: unchanged. Not up much, the cap limited that in a year the index eventually recovered, but not down a single dollar either. The floor did exactly what it was built to do.

See what a floor is actually worth →

She's not trying to get rich off the IUL. That was never the point. It's the part of her retirement that doesn't require her to check the balance during a bad year, the 401(k) does the growing, the policy does the not-losing.

Find out what your floor could look like →

See Your Potential Growth, Without the Downside

Age Range

Monthly Contribution

Years to Grow

Potential Cash Value

$—

Hypothetical illustration only, not guaranteed. Actual growth depends on index performance, caps, and carrier — your agent will provide a carrier-specific illustration.

Policy designs available through carriers including

Pacific Life

North American

National Life Group

F&G

Allianz

Nationwide

Common Questions

How is this different from term life insurance?

Term life is temporary and builds no cash value — it pays a death benefit if you die during the term, then ends. IUL is permanent coverage that also builds cash value over time, linked to a market index like the S&P 500, with a guaranteed floor so a bad year doesn't erase your gains.

What happens to my cash value if the market drops?

Your cash value is credited based on index performance, but it has a floor, typically 0%. A down year credits no growth, but also no loss. You don't lose principal or prior gains because of a market downturn.

Is this the same as investing in the stock market?

No. Your money isn't actually invested in the index — it's credited interest based on the index's performance, up to a cap, with a floor on the downside. You get a share of the upside without the downside risk of direct market investing; insurers manage that risk in exchange for capping how much of a strong year you capture.

Can I access my money before retirement?

Yes, through policy loans or withdrawals against your cash value, typically once the policy has had time to build value, often several years in. Your agent will walk through the specific terms and any impact on your death benefit.

What are the caps and fees I should know about?

Every carrier sets a cap (the max credited rate in a strong index year) and may charge policy fees and cost-of-insurance charges that vary by age, health, and coverage amount. Your agent will show you the specific cap, participation rate, and fee structure for any carrier you're considering before you apply.