No. IULs are insurance policies. The cash value is credited based on the performance of an external index, but your money is not invested directly in the market.

Traditional IULs often limit growth with a cap. A “no-cap” crediting option removes that ceiling, allowing more potential upside. Actual participation rates, spreads, and carrier rules still apply.

IULs typically include a 0% floor on index crediting, which means your cash value won’t decrease due to negative index performance. Policy charges, loans, and withdrawals can reduce values.

With the right design, many clients gain earlier access to cash value compared to traditional structures. Exact timing depends on policy funding, carrier rules, and your state.

This design offers features that fewer than 1% of agents nationwide can access: no-cap index strategies, high participation rates (up to 245%), bonus credits, and cost-reduction riders.

People seeking permanent coverage, tax-advantaged accumulation, and long-term wealth strategies. Business owners, professionals, and families looking for flexibility often find it compelling.

Like any IUL, premiums must be sufficient to cover policy charges. Riders such as no-lapse guarantees can help keep coverage in force, depending on carrier and funding levels.