America’s Leading
IUL Brokerage
Strategic life insurance and financial solutions for building, protecting, and preserving long-term wealth.
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STRADEXConsulting GroupPolicy Snapshot
Policy #IUL-4820193 · Indexed Universal Life
Cash Value
128,406.00
Grew by 18,240.00 this year
Cash Value
128,406.00
+16.5% this year
Death Benefit
$500,000.00
Guaranteed for life
Annual Credit
+8.2%
0% floor — never negative
Cash Value vs. Death Benefit
Age 47
Every strategy we place is built around these fundamentals
Carriers We Work With
What Is an Indexed Universal Life Policy?
An Indexed Universal Life (IUL) policy is permanent life insurance that pays a tax-free death benefit to your beneficiaries while building cash value you can use during your lifetime. Instead of a fixed interest rate, your cash value is credited based on the performance of a market index — up to a cap, with a 0% floor that protects your balance when the index falls. You are never directly invested in the market. As independent brokers, we shop your case across many top-rated A carriers nationwide to find the strongest numbers for your situation.
You pay flexible premiums
You choose how much to fund the policy with, and can adjust it over time as your income and goals change.
Cost of insurance & fees are deducted
A portion covers your death benefit and policy charges. The remainder becomes your cash value.
Cash value is credited to an index
Your remaining balance is credited interest tied to an index like the S&P 500 — up to a cap, with a 0% floor so you never lose value to a downturn.
You access it tax-free, for life
Borrow or withdraw from your cash value income-tax-free during your lifetime. Your beneficiaries receive the death benefit tax-free when you pass.
IUL, Indexed Annuities, and DIAs
IUL is our core product, but it is not the right answer for every dollar. Money that is still being built gets treated differently from money that already needs to become income — so we place indexed annuities and deferred income annuities alongside it.
Indexed Universal Life
Permanent life insurance that credits your cash value to a market index up to a cap, with a 0% floor. Tax-free death benefit, tax-free policy loans, no contribution cap.
- No IRS contribution limit
- Tax-free access through loans
- Death benefit from day one
Best fit: Building tax-free wealth with decades to compound.
Fixed Indexed Annuity
A principal-protected retirement contract. Your premium is credited to an index up to a cap with the same 0% floor, and an optional income rider converts it into income you cannot outlive.
- Principal protected from market loss
- No medical underwriting
- Optional lifetime income rider
Best fit: Protecting a 401(k), IRA, or lump sum already saved.
Deferred Income Annuity
You fund it today and choose the year your income switches on — often five to twenty years out. The carrier guarantees that payment for life, no matter what the market does in between.
- Income start date you choose
- Guaranteed payment for life
- Zero market exposure
Best fit: Locking in a paycheck for a retirement date already in sight.
Not sure which side of the book you belong on? Compare an IUL against an indexed annuity before you talk to anyone.
Protection Built Around Your Life and Business
We go beyond one-size-fits-all IUL. Our brokers build strategies for the specific way you earn, protect, and pass on wealth.
Families
Use your cash value for real life — your kids' tuition, a wedding, grad school, or just a cushion when life happens — plus a tax-free legacy for the people who count on you.
Business Owners & Entrepreneurs
Fund a buy-sell agreement, cover a key person, or tap your cash value to jump on your next opportunity without touching savings or taking out a loan.
Young Professionals & Investors
Start building tax-free wealth early — cash you can pull for a down payment, a wedding, or your next investment, growing safely outside the stock market.
Working Class & Everyday Earners
Protect your mortgage and your family's paycheck with flexible premiums that move with your income — whether you're driving a route, working a trade, or clocking in every day.
Our Brokers Are the Difference
Every Stradex broker is independent, licensed nationwide, and trained to shop your case instead of pushing one company's product. Here's everything that makes working with our team different.
Licensed in All 50 States
Wherever you live, our brokers are licensed to serve you — no exceptions, no gaps in coverage.
How an IUL Compares to a 401(k) and an IRA
All three can fund a retirement. They are taxed differently, they are exposed to the market differently, and only one of them pays your family a death benefit.
IUL
What we place
401(k)
For comparison
IRA
For comparison
Contribution limits
Market risk
Growth potential
Access to cash
Death benefit
Required withdrawals
Contribution limits shown are the 2026 IRS figures. An IUL is life insurance, not a retirement account, and carries cost of insurance and policy charges a 401(k) or IRA does not.
See What Your Policy Could Grow To
Adjust the numbers below to see a hypothetical illustration of how your cash value and tax-free retirement income could grow over time.
Total premiums to age 65
$108,000
Est. cash value at 65
$312,111
Est. tax-free income, 20 yrs
$28,326/yr
Potential Policy Loan / Withdrawal
Illustrated access at age 65 — up to 90% of projected cash value, income-tax-free when structured as a loan.
$280,900
Estimated cash value growth
Hypothetical illustration based on the assumptions above. Not a guarantee of performance — actual values depend on the carrier, index strategy, cap and participation rates, cost of insurance, and other policy charges. Policy loan availability, limits, and interest also vary by carrier and policy. We'll provide a formal, carrier-backed illustration before you ever apply.
A Track Record Families Trust
Trusted Nationwide
0+
Families helped build protected, tax-advantaged wealth with Stradex.
Total Coverage Provided
$50M+
In total coverage provided to trusted families, business owners, and young professionals.
"I was approved for nearly $550,000 in coverage at 25 years old, and it was incredibly easy. Already building a six-figure career, this was the perfect next step to protect what I've worked for."
Anthony T.
Aviation Professional, Miami
Frequently Asked Questions
What families, business owners, and retirees ask us most about IUL and annuities.
Yes. Your cash value is credited based on the performance of a market index, but it is never invested directly in the market. Every indexed strategy we place carries a 0% floor — if the index falls in a given period, your credited rate is 0%, not negative. You keep the gains you have already locked in.
A 401(k) or IRA is a retirement account subject to contribution limits and market risk. An IUL is permanent life insurance: there's no IRS contribution cap on premiums, the cash value can never lose money to a market downturn, and you can access it through policy loans that are generally income-tax-free — on top of a death benefit for your family.
Yes. IUL is our core product, but we also place fixed indexed annuities (FIAs) and deferred income annuities (DIAs) through the same top-rated A carriers. An IUL is generally the fit while you are still building; an annuity is generally the fit when money already saved needs to be protected and turned into income. We run both side by side on your real numbers before recommending either.
A fixed indexed annuity credits interest tied to a market index up to a cap with a 0% floor, and can be turned into lifetime income later through an income rider. A deferred income annuity skips the accumulation question entirely: you fund it now, pick the year payments begin, and the carrier guarantees that payment for life. FIAs give you growth potential and flexibility; DIAs give you the largest guaranteed payment for the dollars committed.
Yes. Once your policy has accumulated cash value, you can typically borrow against it or withdraw from it for any reason — a home purchase, a business opportunity, an emergency — without the early-withdrawal penalties tied to most retirement accounts. Outstanding loans reduce your death benefit and cash value if not repaid.
IUL premiums are flexible by design. If you miss a payment, the policy's cost of insurance and fees can be covered by your existing cash value as long as there's enough to sustain it. We build every illustration with a funding cushion so a missed payment doesn't put your coverage at risk.
No — it's a hypothetical illustration using the assumptions you choose. It's meant to show you how premiums, time, and crediting rates interact. Your actual numbers depend on the carrier, index strategy, cap and participation rates, underwriting class, and policy charges. We'll build you a formal, carrier-backed illustration before you ever apply.
No. Stradex brokers are independent and licensed in all 50 states. We partner with many of the nation's top-rated A carriers and shop your case across them, so you get the strongest numbers available for your situation instead of a single company's product.
We work with families, business owners, and truckers and owner-operators. That includes personal IUL planning, business and key-person coverage, buy-sell funding, mortgage protection, and policies built around irregular, on-the-road income.
Ready to See Your Numbers?
Get a personalized IUL illustration built around your goals — no cost, no obligation.
Prefer to Just Call?
Reach a licensed Stradex broker on our business line or by email. No phone tree, no call center queue — the same team that would build your illustration.
Business Line
(954) 641-8285
Call or text — we answer both.
carlos@stradexfinancial.com
Replies within one business day.
Hours
Mon–Sat, 9:00 AM – 8:00 PM ET
Licensed in all 50 states