Indexed universal life (IUL)
Indexed universal life quotes in one call.
Permanent life insurance with cash value linked to a market index. A licensed agent compares IUL plans from several insurers and builds an illustration for you.
IUL is life insurance. Your cash value isn't invested in the market or the index: the index only sets the interest the insurer credits, up to a cap, with a floor in down years. Policy charges are deducted every month. Loans and withdrawals reduce the cash value and death benefit and can cause the policy to lapse. Illustrations are not guarantees.
For new coverage only. For an existing policy or a claim, please call your insurance company.
Monday to Friday, 9am to 9pm ET. Free quote, no obligation.
Licensed agents · Several insurers in one call · Apply by phone
Free quote
Talk to a licensed agent now.
- Free quote
- No obligation to buy
- Your info is never sold
Eterna is an independent insurance agency, not an insurance company. Your policy is issued by the insurer you choose.
What you can get
Plans we can quote for you.
Your agent compares plans from several insurers and explains the options in plain terms.
Lifelong coverage
A death benefit for your family that lasts as long as the policy stays in force.
Cash value linked to an index
Interest is credited based on an index like the S&P 500, up to a cap, with a floor so a down year doesn't credit less than the floor rate.
Income later in life
Many owners take policy loans for extra income later on. Loans reduce the death benefit and can cause a lapse if they aren't managed.
Business owner coverage
Key person coverage and buy-sell agreement funding for owners and partners.
How it works
Your quote in one call.
- Call (833) 793-1162Tell a licensed agent what you're looking for.
- Answer a few questionsYour age, state, the coverage you want and some health details.
- Compare quotesYour agent checks plans from several insurers and explains each one.
- Apply by phoneIf a plan fits, apply on the same call. No obligation.
Before you call
Have this ready.
- Your date of birth
- Your height and weight
- Medications and any health conditions
- About how much you'd like to put in each month
- Who you'd like as your beneficiary
Monday to Friday, 9am to 9pm ET.
Insurers
Companies our agents are appointed with.
Plans, prices and availability vary by insurer, age, health and state.
Questions
Common questions.
What is indexed universal life insurance?
Permanent life insurance with a death benefit and cash value. The insurer credits interest to the cash value based on a market index, up to a cap, with a floor that keeps a down year from crediting less than the floor rate.
Is my money in the stock market?
No. Your cash value isn't invested in the index or the market. The index only decides how much interest the insurer credits, within the cap and the floor.
Are there fees?
Yes. IUL policies have cost-of-insurance and policy charges that come out of the cash value every month. Your agent goes over them in your illustration.
Can I borrow from the cash value?
Yes, once there's enough cash value. Loans charge interest and reduce the death benefit, and a policy can lapse if loans grow too large. Ask a tax professional how loans and withdrawals apply to you.
Do I need a medical exam?
It depends on the insurer, your age and the amount. Many plans ask health questions instead, and larger amounts may need an exam.
How fast can coverage start?
You can apply by phone during your call, and some insurers give a decision the same day. Coverage starts once the insurer approves the application and receives the first premium.
Are you the insurance company?
No. Eterna is an independent insurance agency. Our licensed agents are appointed with several insurers and help you compare their plans. Your policy is issued by the insurer you choose.
Can you help with my existing policy or a claim?
No. This line is for new coverage only. For an existing policy, a payment, a loan or a claim, please call your insurance company directly. The number is on your policy or your premium notice.
Do I have to buy anything?
No. Your quote is free and there's no obligation. If you decide to apply, your agent walks you through the application by phone.
About Eterna
On your side, not the insurer's.
Independent
We compare several insurers, not just one.
Licensed agents
Licensed agents walk you through every option.
No obligation
Your quote is free. You decide if and when to apply.
Next step
Ready for your quote?
A licensed agent can compare plans from several insurers in one call. No cost, no obligation.