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Indexed Universal Life Insurance (IUL) is a flexible and strategic financial tool designed for long-term protection and tax-advantaged growth. Ideal for professionals, business owners, and high-income individuals, IUL provides permanent life insurance coverage with a cash value component tied to market indexes like the S&P 500.

Choosing between term and permanent life insurance is one of the most important decisions in your financial life. Term life insurance offers affordable, temporary protection—great for covering a mortgage or family income replacement. Permanent life insurance provides lifetime coverage and builds cash value, often used for legacy planning, tax strategies, or retirement supplementation.

Every business has at least one person whose absence would create significant disruption. That individual may be a founder, a rainmaker, a technical expert, or an executive whose leadership drives the company forward. But what happens to your operations, revenue, and clients if that person suddenly passes away or becomes disabled?

What happens to your business if something happens to you—or your partner? It’s a question many business owners avoid, but one that carries serious implications for your company, your family, and your future. A buy-sell agreement, funded by life and disability insurance, is a proactive way to ensure your business can survive a sudden change in ownership due to death or disability.