Market Highs Vanish Overnight – But Your Retirement Doesn’t Have To
Kurtz Lytle • March 14, 2025
While Wall Street debates equities and bonds during the market downturn many are unaware of the power of Fixed Index Annuities (FIAs) for growth and protection.


Who is the #1 IUL carrier? National Life Group is widely recognized as the market leader in Indexed Universal Life insurance based on policy count and new premium volume. That said, there is no single “best” IUL for everyone . Product design, costs, index options, income needs, and risk tolerance vary by client. That’s why IUL.Solutions works with multiple top-tier IUL carriers , including: National Life Group Transamerica North American Mutual of Omaha F&G Americo Ethos Our role is not to sell a carrier — it’s to design the right IUL solution based on suitability, goals, and time horizon. ¹ “Market leader” references are based on publicly available industry data, including carrier disclosures and third-party industry reporting (such as LIMRA and Wink, Inc.), which track Indexed Universal Life (IUL) policy count and new annualized premium. Rankings may vary by reporting period and methodology, and no single carrier is designated as “#1” by any government or regulatory authority. ² Indexed Universal Life (IUL) insurance is a specific type of permanent life insurance and should not be confused with Variable Universal Life (VUL), Guaranteed Universal Life (GUL), Whole Life, or term life insurance, each of which has distinct features, risks, and cost structures. ³ There is no single “best” Indexed Universal Life policy for all individuals. Product suitability depends on a variety of factors, including age, health, financial objectives, time horizon, premium funding level, and risk tolerance. ⁴ IUL.Solutions is an independent insurance agency and is not affiliated with any single insurance carrier. Product availability may vary by state, underwriting approval, and carrier appointment. Not all products are available in all jurisdictions. ⁵ Policy values, index credits, and performance projections shown in life insurance illustrations are not guarantees unless specifically identified as guaranteed values. Actual policy performance will vary and is subject to policy charges, index performance, caps, participation rates, and carrier-declared terms. ⁶ Indexed Universal Life insurance is not a security and is not directly invested in the stock market. IUL.Solutions does not provide tax, legal, or investment advice. Clients should consult their own qualified professionals regarding their specific situation. ⁷ Carrier relationships are subject to change. The inclusion of an insurance carrier does not imply endorsement or superiority over other carriers not listed. Recommendations are made in accordance with state suitability requirements at the time of application.ntent of your post goes here. To edit this text, click on it and delete this default text and start typing your own or paste your own from a different source.





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