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Mortgage protection—made effortless
- Creative Director
- Sep 1
- 2 min read
Updated: 7 days ago
You bought the home. Now make sure your family keeps it—no matter what. That’s exactly what mortgage protection with an IUL (Indexed Universal Life) is built to do.
Why homeowners love IUL for mortgage protection
Pays off the house for your family:
An IUL provides a life insurance payout that’s generally income-tax-free to your beneficiaries—money they can use to wipe out the mortgage.
Protection with growth potential:
Your policy includes a cash value that can grow based on a market index (like the S&P 500)—with built-in downside protection and upside potential. You’re not invested directly in the market; the insurer links growth to the index for you.
Flexible by design. Adjust payments within policy limits and tailor coverage as life changes—easy to align with your mortgage.
Access to living benefits:
Many policies include accelerated benefit riders that can let you access part of your benefit while you’re alive after certain qualifying events—extra help to keep life on track.
Tax-smart features:
Cash value growth is tax-deferred, and you can access value via policy loans/withdrawals in a tax-advantaged way when structured properly.
How it fits your mortgage
Mortgage: $400,000
IUL coverage: $400,000
If you pass away, your loved ones receive the benefit (generally income-tax-free) and can pay off the home in one shot. Meanwhile, your cash value can build over time for flexibility along the way.
Quick compare
PMI: protects the lender.
IUL-powered mortgage protection: protects your family with a tax-advantaged life insurance strategy that can also grow value for you.
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