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IUL agents in California

30 verified specialists licensed to write in California.

California agents are licensed by the California Department of Insurance, one of the largest state insurance regulators in the country. Wildfire exposure has reshaped property coverage across much of the state, and the sheer number of carriers and plan designs makes an experienced guide valuable. Every agent on this page holds an active California license.

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What IUL cover actually does

Indexed universal life is a kind of permanent life insurance. It is built to last your whole life as long as it stays funded, and it builds cash value you can borrow against.

Part of that cash value earns interest based on a market index. A floor means a bad year in the index does not reduce the interest credited, and a cap limits how much can be credited in a good year. Policy fees and the cost of insurance still come out of the cash value, so how the policy is funded matters.

Read the full IUL guide →