"Elevate Your Future with Lions Ascent Life Planning."

At Lions Ascent, we specialize in building smart, strategic life insurance plans designed for lasting impact. Our Indexed Universal Life (IUL) strategies offer a powerful combination of protection, tax advantages, and long-term growth potential designed around your goals, not just a policy.

🧩 What Is an IUL?

An Indexed Universal Life (IUL) policy is a type of life insurance that not only provides a death benefit to protect your loved ones, but also lets you build cash value over time. That cash value can grow based on the performance of a market index (like the S&P 500), but your money is never directly invested in the market, which means your principal is protected from losses.

Over time, you can access that cash value tax-free to help supplement retirement income, fund future goals, or handle unexpected expenses—all while still keeping life insurance in place.

The Power of an IUL

Grow your wealth while protecting what matters most.

IULs offer the unique ability to grow your cash value based on market index performance—without direct market exposure. With tax-deferred growth, tax-free withdrawals via policy loans, and a built-in death benefit, they’re one of the most versatile tools in modern financial planning.

Who This Is Perfect For:

Why Lions Ascent IULs Stand Out

We don’t sell policies, we craft personalized strategies.

With years of experience and a deep commitment to integrity, our team designs each IUL plan with care and precision. We work only with top-rated carriers and structure every policy to minimize cost, maximize cash value, and ensure long-term sustainability.

Your Life, Your Strategy

Custom-tailored for your future.

Whether you’re focused on retirement income, tax-free wealth access, or legacy planning, our IUL strategies adapt to your life. We don’t do one-size-fits-all—every solution is aligned with your needs, risk tolerance, and long-term vision.

Wealth Growth Without Market Exposure

Capture the upside, avoid the downside.

Our IULs use market indexes to credit interest to your policy so you can benefit from market growth without risking loss in down years. It’s a smarter, safer way to grow wealth with predictability and peace of mind.

Legacy, Estate & Tax Planning

Leave more, with less tax.

IULs are an excellent tool for passing wealth efficiently and privately to the next generation. We help you strategically design your policy to align with estate goals, minimize tax burdens, and create lasting impact for your loved ones.

Our Process

A clear path from consultation to implementation.

Discovery Call – We learn about your goals and needs

Custom Design – Tailored policy illustrations and carrier comparisons

Application & Approval – We handle the paperwork and approvals

Ongoing Support – Annual reviews and updates as life changes

📊 Key Stats About IULs

💼 Industry Growth

$2.7 billion in IUL sales in Q4 2023 alone (a 14% increase year-over-year)(Source: LIMRA, U.S. Individual Life Insurance Sales Report) IULs made up 25% of all individual life insurance premium in 2023IUL sales have seen double-digit growth consistently over the past 5 years.

🔒 Consumer Priorities

72% of Americans say they’re concerned about outliving their retirement savings61% of consumers prefer products that offer market protection with growth potential—a perfect fit for IULs(Source: Allianz Life 2023 Retirement Risk Readiness Study)

📈 Tax-Free Retirement Strategy

With properly structured IULs, policyholders can access tax-free income via policy loansIULs can offer historical interest crediting rates between 5–8%, depending on caps and participation rates.

👨‍👩‍👧‍👦 Legacy & Estate Planning

IULs provide an immediate death benefit often 3–5x the initial premium, tax-free to beneficiariesIdeal for high-net-worth families and small business owners looking to efficiently transfer wealth

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