Build Wealth in U.S. Dollars
With Guaranteed Protection
National Life Group's Indexed Universal Life (IUL) is the smartest financial instrument for growing your wealth in dollars — linked to the S&P 500, with a 0% floor (never loses), tax-free growth, and full family protection.
175+
Years of History
A+
A.M. Best Rating
0%
Floor — Never Loses Principal
Tax-Free
Growth & Distributions
What is Indexed Universal Life?
IUL is a permanent life insurance policy that functions as a wealth accumulation engine. Your cash value grows linked to market indexes like the S&P 500 — but with a 0% floor, you never lose when the market drops. The best of both worlds: participation in gains, protection from losses.
Index-Linked Growth
When the S&P 500 rises, your cash value is credited proportionally — up to the strategy's cap. You participate in the gains of the world's strongest market without directly exposing your capital to it.
0% Floor — Capital Protected
When the market drops — and it will — you receive 0% credit for that period. You don't lose anything. While direct investors lose 20%, 30% or more, your accumulated capital stays intact.
Capital Access via Policy Loans
Your accumulated cash value can be accessed through policy loans — generally exempt from federal income tax. Real liquidity, no banking bureaucracy, no taxation on gains.
IUL: Participação nos Ganhos, Proteção nas Quedas
Veja como o IUL se comporta comparado a um investimento direto no mercado
Ano de Alta
Crescimento creditado até o cap da estratégia
Ano Neutro
Ganho proporcional ao índice, até o cap
Ano de Queda
Piso de 0% — capital principal protegido
¹ Desempenho hipotético do mercado utilizado apenas para fins ilustrativos. Rentabilidade passada não é garantia de resultado futuro. ² O crédito de juros do IUL é limitado ao cap (teto) da estratégia indexada escolhida, que pode variar conforme o produto, a seguradora e o período de contratação. O valor "até 10%" é uma referência ilustrativa e não constitui promessa, garantia ou projeção de rendimento. Consulte um agente licenciado para receber uma ilustração personalizada e aprovada pela seguradora.
The 4 Pillars of IUL
IUL operates across four simultaneous dimensions — protecting, accumulating, providing liquidity, and creating legacy. A complete financial structure in a single policy.
Cash Value Accumulation
Each premium paid, after policy costs, builds cash value. This balance grows linked to your chosen market index with a 0% floor — compounding over years, free of annual income tax.
Family Protection
Your family receives an income tax-free death benefit regardless of what happens. Your legacy and your loved ones' financial security are always guaranteed.
Liquidity & Retirement Income
Policy loans against cash value are generally exempt from federal income tax. In retirement, this mechanism creates a tax-free monthly income stream — unlike 401(k) withdrawals.
Living Benefits (ABRs)
Accelerated Benefit Riders included at no extra cost. Terminal, critical, or chronic illness triggers early access to your death benefit — your policy protects you in any health scenario.
O Poder do Crescimento Composto
Cada ano que passa, seu capital trabalha mais.
Com o IUL, o crescimento composto opera sem interrupções causadas por perdas de mercado. O piso de 0% garante que você nunca "recomece do zero" após uma queda — seu ponto de partida para o próximo ano é sempre o maior nível já alcançado.
IUL vs. Traditional Investments
Compared to stock funds, conventional retirement accounts, or dollar savings, IUL offers a unique combination of advantages no single product can replicate.
Never Loses from Market Drops
The 0% floor ensures no market downturn affects your capital. In 2008, 2020 — while funds lost 40%, your IUL registered 0% and preserved everything.
Tax-Deferred Growth
Cash value grows without annual tax incidence. You pay no tax on gains while accumulating — maximizing the power of compound growth.
Tax-Free Distributions
Policy loans are generally federal income tax-free — unlike 401(k) or IRA withdrawals that are taxed on distribution.
Permanent Life Coverage
Unlike term insurance that expires, IUL is permanent. Your family protection never ends, regardless of future age or health.
Living Benefits Included
Terminal, critical, or chronic illness triggers early access to the death benefit at no extra cost. Complete protection for any health scenario.
Tax-Free Legacy Transfer
The death benefit transfers completely free of income tax — to beneficiaries in Brazil or the U.S. Ideal for cross-border estate planning.
IUL
Piso 0%
Nunca perde com queda do mercado
Fundo de Ações
Sem piso
Pode perder 30–50% em crises
401(k) / Poupança
Tributado na retirada
Paga imposto ao usar o dinheiro
* Comparação simplificada para fins exclusivamente ilustrativos. O IUL é um produto de seguro de vida permanente — não é um investimento registrado. O crédito de juros é vinculado ao desempenho de um índice, limitado ao cap da estratégia, e não representa participação direta no mercado de ações. Rentabilidade passada não garante resultados futuros. Consulte um agente licenciado e leia a ilustração oficial da seguradora antes de tomar qualquer decisão.
National Life Group — 175 Years of Excellence
Founded in 1848 in Vermont, National Life Group is one of America's oldest and most financially sound carriers — and a pioneer in IUL products with Living Benefits. They have honored every claim through every major American historical event, from the Civil War to the 2008 crisis.
- Founded 1848 — 175+ years of uninterrupted service
- A+ rated by A.M. Best (Superior financial strength)
- Over $50 billion in total company assets
- Pioneer in IUL products with Living Benefits riders in the U.S.
- Licensed and operating in all 50 U.S. states
- Consistently ranked among America's most trusted carriers
A+
A.M. Best Rating
$50B+
Ativos Totais
Fundada em 1848 — Vermont, EUA
Honrou cada sinistro da Guerra Civil à crise de 2008
Start Building Dollar Wealth Today
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