Indexed Universal

Lifelong Protection with Market-Linked Growth.

Flexible Coverage with Market-Linked Growth

Enjoy flexible coverage with the potential for cash value growth linked to market performance. Indexed Universal Life combines lifelong protection with adjustable premiums and tax-advantaged growth, giving you control and financial opportunity in one powerful policy.

A smart blend of lifelong coverage and market-driven opportunity.

Indexed Universal Life Insurance (IUL) is a versatile policy that offers more than just life coverage—it’s a powerful financial tool designed for growth and flexibility. With IUL, you receive permanent life insurance protection while also having the opportunity to build cash value based on the performance of a stock market index, such as the S&P 500.

Unlike traditional investment products, your IUL policy includes downside protection, meaning your cash value is not directly invested in the market and won’t decrease due to negative index performance. This makes it a smart choice for individuals seeking growth potential with a safety net.

Key benefits include:

Flexible premiums and coverage amounts that can be adjusted to match your financial needs over time
Tax-deferred cash value accumulation, offering a potential source of income in the future
Access to your cash value through policy loans or withdrawals for retirement, education, or emergencies
Legacy planning by ensuring your loved ones receive a guaranteed death benefit

At Bora Financial Services, we help you tailor an Indexed Universal Life policy to align with your long-term goals, giving you the confidence to grow and protect your financial future.

Frequently Asked Questions

Can my life insurance be used for long-term financial planning?

Yes. When structured properly, a life insurance policy can serve as a retirement supplement. With a Lifetime Income Benefit Rider, you may access income for life—helping provide financial security well into retirement.

What happens if I can’t make payments for a few months? Will I lose my policy?

Life happens, and our policies are designed with flexibility in mind. If you’ve built up enough value in your policy, it may offer grace periods or options to maintain coverage during short-term financial challenges.

Can I adjust my premiums and death benefits?

Yes, IULs allow flexibility in both premium payments and coverage amounts.

Meet Evelyn Opany

CEO and Founder of Bora Financial Services

Insurance Policies Specialist

These days, it’s especially important to have a trusted professional guiding your choices. With 10 years’ experience, I’ll personally evaluate your situation and needs. Together, we’ll help protect your family’s wealth, lifestyle, and future.

Peace of Mind for Every Chapter of Life.
Your living benefits – life insurance that you access the death benefit before death, gives you strength through life’s toughest turns.