Sales of indexed universal life insurance policies reached record levels in the first quarter of 2026, fueled by consumer interest in products that offer both death benefit protection and market-linked cash value growth. Agents report surging demand from high-net-worth clients.
Financial planners note that the appeal lies in the downside protection feature, which guarantees a minimum interest credit even when equity markets decline. However, they caution that caps on upside gains should be carefully evaluated.
Regulatory scrutiny of illustration practices in the IUL market has also intensified, with several states issuing new disclosure requirements for agents and carriers.
