An Indexed Universal Life policy gives you permanent life insurance coverage combined with cash value that can grow based on a market index — with a floor that protects you from market losses and the potential for tax-advantaged retirement income.
No obligation. No pressure. Just honest guidance.
An Indexed Universal Life (IUL) policy is a type of permanent life insurance that provides a death benefit for your family plus a cash value account that is credited based on the performance of a market index — such as the S&P 500 — without being directly invested in the market. This means your cash value can grow when the market goes up, and is protected from loss when the market goes down.
The core appeal of an IUL is its unique combination of features: market participation with a downside floor. Most IUL policies include a 0% floor, meaning your cash value will never be credited less than 0% in a down market year. At the same time, there is a participation rate and a cap that determine how much of the index gain is credited to your policy.
Over time, the cash value inside an IUL can grow substantially on a tax-deferred basis. When structured correctly, the policy can be used to generate tax-free income in retirement through policy loans — a strategy that is particularly valuable for business owners, high-income earners, and individuals who want to diversify beyond traditional 401(k) or IRA accounts.
In Tampa, Florida, IUL strategies have become increasingly popular among families, truck drivers, veterans, and entrepreneurs who want to build wealth, protect their families, and plan for a tax-advantaged retirement — all within a single product. Brandon Lopez at Lopez Wealth Care works with National Life Group, Transamerica, and other A-rated carriers to design IUL strategies tailored to each client's specific income, goals, and time horizon.
Important: IUL policies are complex and long-term in nature. Cash value projections are not guaranteed and depend on index performance, policy fees, and structure. Brandon Lopez is committed to transparent, education-first guidance so every client fully understands how their policy works before applying.
Brandon Lopez will personally walk you through your options — no pressure, no obligation.
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Simple, transparent steps — no jargon, no pressure.
Brandon reviews your income, age, retirement timeline, and goals to determine whether an IUL is the right fit. This call is free, educational, and covers how the policy works, what it costs, and what you can realistically expect.
Brandon designs a customized IUL illustration showing projected cash value growth, retirement income scenarios, and death benefit over time — using realistic index assumptions and full policy fee disclosure.
Once the policy is structured, you apply through the chosen carrier. Premiums are paid and the policy begins building cash value linked to your chosen index. Brandon monitors and reviews the policy with you over time.
This type of coverage is a strong fit for people in a variety of life situations.
Brandon Lopez serves clients throughout Tampa, Hillsborough County, St. Petersburg, Clearwater, Brandon FL, and Wesley Chapel. Whether you are a truck driver, a veteran, a business owner, or a parent planning ahead — Lopez Wealth Care is here to help you build a plan that fits your life.
Schedule My Free CallHere is why families and individuals in Tampa, FL choose this type of coverage.
Cash value growth linked to a market index — participate in market upside
0% floor protection — your cash value never goes negative in a down year
Tax-deferred growth inside the policy accumulation account
Tax-free retirement income potential via policy loans when structured correctly
Flexible premium payments — adjust within policy guidelines as income changes
Flexible death benefit — adjust coverage amount as your needs evolve
Living benefits available for chronic, critical, or terminal illness
Permanent coverage — never expires as long as the policy is properly funded
Diversification benefit — not directly correlated to stock market returns
Can be structured to pass wealth to heirs income-tax-free
No contribution limits like IRAs or 401(k)s — high earners can fund aggressively
Brandon Lopez provides ongoing policy reviews to ensure performance stays on track
Real stories from Tampa Bay families and professionals.
“I was skeptical about IUL at first, but Brandon took the time to show me exactly how it works — the fees, the projections, everything. Now I have a policy I understand and feel confident about. It's my retirement plan outside of my 401k.”
Anthony L.
Self-Employed Contractor • Tampa, FL
“As a veteran and business owner, I wanted protection and growth. Brandon designed an IUL strategy that gives my family a death benefit and builds cash value I can use at retirement. No smoke and mirrors — just honest planning.”
Victor R.
Veteran & Business Owner • Brandon, FL
“The tax-free retirement concept was new to me, but Brandon explained it so clearly. I now have a policy that protects my family today and could supplement my income when I retire. Best financial decision I've made.”
Simone K.
Registered Nurse • Wesley Chapel, FL
* Testimonials are representative of client experiences. Individual results may vary.
Straight answers to the questions people ask most about indexed universal life (iul) in Tampa, FL.
An IUL is a permanent life insurance policy whose cash value is credited based on the performance of a stock market index, such as the S&P 500. It includes a floor (usually 0%) that protects against market losses and a cap that limits the maximum gain credited.
Whole life insurance provides guaranteed fixed cash value growth. An IUL offers variable cash value growth linked to a market index — with higher upside potential but also more complexity. IUL also offers more flexibility in premiums and death benefits.
When properly structured and adequately funded, an IUL can provide tax-free income in retirement through policy loans. This is a legitimate strategy used by financial professionals, but results depend on policy structure, premiums paid, and index performance. Brandon Lopez will provide a fully transparent illustration.
Most IUL policies include a 0% floor — meaning if the market index performs negatively in a given year, your cash value is not reduced due to market losses. You may receive 0% interest credited that year, but your account value does not go down from index performance.
IUL premiums vary widely based on age, health, coverage amount, and desired funding level. Policies can often be structured for $300 to $1,000+ per month depending on goals. Brandon Lopez designs custom illustrations so you can see exactly how premium levels affect your projected outcomes.
IUL is best suited for individuals aged 25–55 with a long time horizon, steady income, and a desire to build tax-advantaged wealth alongside permanent life insurance protection. It is particularly valuable for self-employed individuals and business owners without employer retirement plans.
No. IUL illustrations show projected values based on assumed index crediting rates — these are not guarantees. Actual values depend on index performance, policy fees, and funding levels. Brandon Lopez ensures every client receives a fully disclosed, realistic illustration before applying.
Brandon Lopez will personally review your situation and present options that match your goals and budget — using only A-rated carriers. No pressure. No obligation.
Regarding: Indexed Universal Life (IUL)
