Protect Your Family. Build Wealth. All in One Plan.

Indexed Universal Life (IUL)

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Tax-Free Retirement Income

Grow and access your money without paying taxes.

Leave a Legacy

Pass on wealth to your family, tax-free, securely, and with legacy planning.

Market Growth, No Losses

Earn interest based on the market, with downside protection.

What Makes Indexed Universal Life Different?

Built-In Flexibility

You can adjust your premiums and death benefit as your needs change — perfect for evolving financial goals.

Multi-Purpose Tool

An IUL isn’t just life insurance — it’s also a powerful financial vehicle to support retirement planning, education funding, and more.

Stability in Uncertain Markets

Your policy’s cash value is protected from market downturns, giving you peace of mind in volatile times.

Long-Term Growth Strategy

Ideal for people looking to steadily build wealth over time without the stress of daily market watching.

Customizable to Your Life

Whether you're just starting a family or planning for the future, an IUL can be tailored to your unique lifestyle and legacy goals.

About Us

At Fire and Fortune Financial, we believe everyone deserves the opportunity to build a secure financial future. Our mission is to educate and empower individuals and families to protect, grow, and pass on wealth using powerful strategies like Indexed Universal Life (IUL) insurance.


We specialize in helping clients create customized financial roadmaps that align with their long-term goals. Whether you’re planning for retirement, protecting your income, or building generational wealth — we’re here to guide you every step of the way.


Our team is dedicated to providing real solutions that offer flexibility, growth potential, and peace of mind. With IUL, you're not just planning for today — you're unlocking the future.

Real-World Uses of an IUL

Retirement Income Supplement- Tax -free income in your golden years

Emergency Fund - Quick access to funds when life happens

College Funding – Help cover your child’s education

Debt Payoff – Use cash value to eliminate high-interest debt

Wealth Transfer – Leave a tax-free legacy to your loved ones

Major Purchases – Borrow tax-free for weddings, renovations, or cars

Business Funding – Access capital without loans or credit checks

Long-Term Care – Use living benefits for medical or chronic illness needs

Tax-Free Wealth Growth – Build cash value without paying annual taxes

STILL NOT SURE?

Frequently Asked Questions

Have questions about our services? You're in the right place!

How does the cash value grow in an IUL?

Your cash value grows based on the performance of a market index, but with a floor (usually 0%) that protects you from losing money when the market goes down.

Can I access the money in my IUL policy?

Yes! You can take tax-free loans or withdrawals from your cash value to use for retirement, emergencies, college expenses, or other needs.

Is an IUL a good investment?

While an IUL is not classified as an investment, it is a powerful financial tool that offers tax-advantaged growth, protection, and flexibility, making it ideal for long-term planning.

What happens if the market performs poorly?

Even if the market drops, your IUL won’t lose value due to the built-in floor (often 0%). You’re protected from market downturns while still having growth potential.

Who is an IUL best for?

An IUL is ideal for individuals who want lifelong protection and the ability to grow wealth safely. It’s especially popular among families, business owners, and high-income earners.

Contact Us:

[email protected]

(347) 367-5538