Protect Your Family. Build Wealth. All in One Plan.
Indexed Universal Life (IUL)
Check out the video below
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:
(347) 367-5538