Indexed Universal Life Insurance
Indexed Universal Life Insurance

Offer clients death benefit protection and index-linked cash value accumulation.

Indexed universal life (IUL) insurance offers the flexibility and guarantees of traditional UL with greater growth potential:

  • Growth in policy values is linked to stock market index performance without direct market participation.
  • An interest rate floor and cap helps protect clients against index declines, while allowing them to share in a portion of index gains.
  • Adding IUL to a portfolio can help clients increase asset and tax diversification.

Principal Indexed Universal Life Accumulation IISM

Principal IUL Accumulation II offers long-term growth and income and is ideal for ages 35-55—especially those clients who want to save more tax-deferred dollars and achieve some tax diversification of their assets. This product is approved in all states except New York.

Principal Indexed Universal Life Flex IISM

Principal IUL Flex II offers flexible coverage with moderate cash value potential and is ideal for ages 35-65—especially budget-conscious individuals who want more growth opportunity than fixed products offer but don’t want the market risk of variable UL. This product is approved in all states except New York.

Riders and endorsements

Learn more about the available riders and endorsements for these products.

Some things clients should consider:

  • In exchange for the death benefit, life insurance products charge fees such as mortality and expense risk charges and surrender fees.
  • IUL insurance can have possible limits on interest crediting.

Working with Principal®

We're more than just products.  It's about the service you'll receive from Principal and the experience, education, and ease of doing business.

To get started, contact your internal sales team at 800-654-4278.

Important information

Insurance products issued by Principal National Life Insurance Company (except in NY), Principal Life Insurance Company®, and the companies available through the Preferred Product Network, Inc. Plan administrative services offered by Principal Life. Securities offered through Principal Securities, Inc., member SIPC, and/or independent broker/dealers. Referenced companies are members of the Principal Financial Group®, Des Moines, IA 50392. Guarantees are based upon the claims-paying ability of the issuing insurance company. For financial professional use only. Not for public distribution.