Indexed universal life insurance policies offer permanent life insurance protection with the potential for tax-deferred growth of your policy's cash value. Because these policies are indexed, the interest rate credited to the account is adjusted upward or downward each year based on changes in a published market index. This provides some protection from inflation, and also allows you to potentially participate in any upside movements in the markets. Indexed universal life policies can be designed to provide a variety of death benefits, including a return of premium rider which guarantees that your beneficiaries will receive all premiums paid into the policy plus interest.

If you're looking for permanent life insurance protection that has the potential to grow over time, an indexed universal life policy may be a good fit for you