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Indexed universal life (IUL) insurance 101

Discover how indexed universal life works

What is IUL?

Indexed universal life insurance (IUL) is permanent life insurance that offers death benefit protection when death occurs. What differentiates IUL from other permanent life insurance policies is the way interest is credited to the policy.

Index allocation and credits

When premium is allocated to a particular index section, an index segment is credited and an index period begins. In addition to offering a traditional declared interest rate, IUL also offers the ability to earn interest that is linked to the movement of a selected underlying stock market index over a specific period of time.

Key points

  • The interest credited will never be less than 0.25%
  • The premiums are not invested in stocks, bonds or equity investments
  • Dividends on the stocks that make up each index are not included on the index performance
  • The premium allocation to an index selection does not represent an investment in any index or market

Understanding diversification: A fruit salad analogy

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Diversification and risk control with crediting options

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Does diversification apply to life insurance?

Yes, diversifying your allocations within an indexed universal life (IUL) policy may help reduce minimum-interest crediting periods

Diversification may not be the first thing that comes to mind when you think about life insurance, but it has a place when it comes to deciding where you allocate your premium dollars among the available crediting options in an IUL policy.

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Living benefits

What if life insurance could be used while you’re still around to benefit from it?

It can.

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Stay-at-home parents need life insurance, too

It’s time to shine a light on an often-overlooked segment of our client base—families with a stay-at-home-parent. Here’s why they should consider an F&G indexed universal life (IUL) insurance policy:

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Family firstLife insurance isn’t just for the breadwinners. It’s a crucial piece of the puzzle for any family’s financial plan.

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Childcare concernsWhen it comes to childcare alone, costs can soar up to $36,000 per year per child.1 That’s a significant figure for your clients to consider when planning their family’s future.

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Full costThink about all the duties a stay-at-home parent handles— from childcare to meal prep and everything in between. When you add it all up, the annual value of these responsibilities can reach a whopping $133,440!2 Protecting the value of these contributions can be just as important as protecting a working spouse’s income.

1 Care.com 2024 Cost of Care Report

2 Kissell, C. (2025, May 5). Mother’s day index 2025: Mom’s salary rises more. Insure.com. https://www.insure.com/life-insurance/the-mothers-day-index.html

Ready to empower your clients?

Together, let's ensure that every family gets the protection they deserve.

See the details

Read more about life insurance for stay-at-home-parents.

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Share our client-friendly flyer

Share our client-friendly flyer that provies a clear overview of coverage for stay-at-home parents.

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Bridge the retirement income gap

When social security benefits top out, and tax-deferred accounts reach their limits, it can be challenging for individuals with higher incomes to save enough to maintain their lifestyle in retirement.

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How can life insurance help?

Life insurance can help your high income clients save enough to maintain their life style in retirement. Diversifying where your clients save sooner rather than later can help.

Share the F&G story on social media

We have created pre-approved posts to use on your social media channels. Share the F&G story with your own social media followers on LinkedIn, Facebook and Instagram.

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Help and resources

Looking to explore additional resources, product materials, and training?

Contact us at Life.Sales@fglife.com

For financial professional use only. Not for use with the general public.

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“F&G” is the marketing name for Fidelity & Guaranty Life Insurance Company issuing insurance in the United States outside of New York. Life insurance and annuities issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA.

Subject to state availability. Certain restrictions may apply. Optional provisions and riders have limitations, restrictions and additional charges.