Indexed Universal Life
A universal life policy whose cash value earns interest linked to a market index, subject to caps, participation rates and a floor. Policy charges reduce the credited growth.
Nashional Investments · Updated October 2026
Educational definition only, not investment, tax or legal advice.
In practice
Insurance can protect a plan or fund part of it, but permanent policies are complex and carry ongoing costs. The term Indexed Universal Life is one we explain when reviewing an existing or proposed policy. Insurance products are offered through our affiliate, Nashional Insurance, and you are never required to buy through it.
Common questions.
What does the term Indexed Universal Life mean?
Why does Indexed Universal Life matter for investors?
See how this fits into a real plan on our Insurance planning page.
Have a question about this?
Ask us how it applies to your situation. Your first conversation is complimentary.