Build Wealth & Security with Indexed Universal Life (IUL)

Insurance That Does More Than Just Protect

An IUL policy isn’t just life insurance—it’s a financial strategy. At K&M Planning, we help you use Indexed Universal Life to grow wealth while maintaining lifelong protection for your family.

With the flexibility to adjust your premiums and the opportunity to build tax-deferred cash value linked to market performance, IUL policies can support retirement planning, education funding, and long-term security.

How Indexed Universal Life Works

Dual Purpose Coverage

IUL gives you lifelong life insurance coverage plus the chance to grow cash value tied to stock market indexes like the S&P 500.

Tax-Deferred Growth

Earnings accumulate tax-deferred, meaning your money can grow faster over time—without immediate tax consequences.

Flexibility in Premiums & Withdrawals

You can adjust how much you pay into the policy and access your cash value for qualified needs like emergencies, retirement, or major expenses.

Is IUL Right for You?

IUL is ideal if you:

Want lifetime protection and don’t want your policy to expire
Are planning for retirement or generational wealth
Prefer a low-risk approach to investing tied to market growth
Value tax-advantaged savings opportunities

Whether you’re new to IUL or considering switching policies, we’ll walk you through your options with clarity and care.

Why K&M Planning for IUL?

Transparent Advice

We explain everything clearly so you feel confident.

No Pressure, No Confusion

Just what fits your life and long-term goals.

Licensed Across NC, SC, GA, TN & VA

Local service with regional support.

Customized Strategies

Tailored to your income, family, and future plans.

Testimonials

Hear What Our Clients Say

We believe the best proof of our service is what our clients say about us. At K&M Planning, we’ve helped hundreds of families and individuals gain peace of mind with honest, affordable insurance plans. Here’s what a few of them had to say:

I had no idea what IUL was. Now I’m confident my kids have a better future thanks to their help.

Stephen John

K&M Planning helped me find life insurance that fits my budget. I didn’t feel pushed—just guided

Daniel John

They made the process simple and stress-free. I got the right health plan without paying more than I needed.

Mia T

Honest, clear, and affordable. I got dental coverage for my whole family in less than a day.

Chris L

Finally—an insurance agent who listens first and sells later. Highly recommend K&M Planning.

Renee F

Start Planning Your Financial Future Today

With an IUL plan, you don’t have to choose between protection and progress. Let’s build a smarter insurance strategy that works for today—and tomorrow.

Call for more info