Access your cash value through policy loans without triggering income taxes. Unlike 401(k)s or IRAs, IUL allows you to supplement your retirement income without increasing your tax bracket or affecting Social Security benefits, creating a more efficient retirement income strategy.

These powerful riders allow you to access a portion of your death benefit while still living if you experience a qualifying critical illness (heart attack, stroke, cancer) or chronic condition requiring long-term care. Typically, you can access up to 2% of your death benefit monthly for chronic conditions or up to 25% as a lump sum for critical illnesses, providing substantial financial protection during health challenges.

Use your IUL's cash value to fund education expenses without the restrictions of 529 plans. If your child receives scholarships or chooses not to attend college, the funds remain available for other purposes without penalty, offering unmatched flexibility compared to traditional education savings vehicles.

If diagnosed with a terminal illness with a life expectancy of 12-24 months (varies by carrier), these riders typically allow access to 50-75% of your death benefit. This provides crucial financial resources when they're most needed, helping cover medical expenses or fulfilling end-of-life wishes without financial strain.

These cost-effective riders extend coverage to children and other family members without requiring separate policies. They provide death benefit protection for children and can be converted to permanent coverage when they reach adulthood, regardless of health changes, ensuring their future insurability.