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Indexed universal life insurance

Indexed universal life (IUL) is permanent life insurance that offers financial protection, growth opportunities linked to market index performance and access to cash value.

Indexed universal life insurance benefits

  • Financial security for your loved ones, business or beneficiaries
  • Upside potential, so you benefit from the market’s potential
  • Downside protection of a floor to help you avoid market losses
  • Access to potential cash value to do the things you want in life1
  • Options to add living benefits so your life insurance can work for you 

Indexed universal life insurance products

New York insurance products

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Protect what matters most with one solution that evolves as your life changes. It combines the financial protection you need today and growth potential to build cash value to use throughout your life.

1Distributions are taken through loans and withdrawals, which reduce a policy’s cash surrender value and death benefit and may cause the policy to lapse. Loans are not considered income and are tax-free. Withdrawals and surrenders are tax-free up to the cost basis, provided the policy is not a MEC. 

Life insurance policies are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contractual obligations are subject to the claims-paying ability of The Lincoln National Life Insurance Company.

Policies sold in New York are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. The contractual obligations are subject to the claims-paying ability of Lincoln Life & Annuity Company of New York.

Product and features subject to state availability.