Protect your family. Build cash value for the future.
The F&G Pathsetter IUL is a life insurance strategy designed to help you protect your family while building cash value for the future — with index-linked growth, a 0% floor, and tax-advantaged access.
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What is an Indexed Universal Life (IUL) plan?
An Indexed Universal Life policy is permanent life insurance that also builds cash value. Instead of a fixed interest rate, the cash value can earn interest based on the performance of a market index — like the S&P 500 — with a floor that protects you from market losses. It’s protection and a long-term wealth-building strategy in one.
The F&G Pathsetter IUL strategy
The F&G Pathsetter IUL is a life insurance strategy designed to help you protect your family while building cash value for the future. Here’s how it works:
Life Insurance Protection
Provides a death benefit for your loved ones.
Growth Potential
Your cash value has the opportunity to earn interest based on the performance of a market index, such as the S&P 500.
0% Index Floor
When the index has a negative year, the index crediting rate can be 0%, rather than a negative index credit.
Access to Cash Value
You may be able to access your cash value through policy loans or withdrawals, subject to the policy terms.
Tax Advantages
Cash value grows tax-deferred, and properly structured distributions may provide tax-advantaged income.
Build a strategy that can provide protection today, growth potential for tomorrow, and access to money when you need it.
Protection, growth, and access — in one policy
Protection Today
A death benefit that’s there for your family from day one — the foundation of the strategy.
Growth Tomorrow
Index-linked interest gives your cash value room to grow in good market years, without direct market risk.
Access When You Need It
Borrow against your cash value to help fund retirement, college, or unexpected expenses.
Tax-Advantaged Buildup
Cash value grows tax-deferred, and properly structured policy loans can be accessed tax-free.
A strategy for every chapter
From starting a family to enjoying retirement — your policy grows with you.
Real people. Real peace of mind.
“We wanted protection and growth in one place. The indexed strategy meant we never lost principal when the market dropped, and our cash value kept climbing in the good years.”
“My IUL policy built cash value I could borrow against tax-free to grow my business. The 0% floor gave me confidence to stay the course no matter what the market did.”
“Knowing our family is protected no matter what happens — and that the policy builds value we can use later — gave us total peace of mind. Best decision we made.”
See if the F&G Pathsetter IUL fits your plan
Book a quick, no-pressure call with a Hard Roc Academy advisor. We’ll review your goals and show you exactly how the F&G Pathsetter IUL could fit your protection and retirement strategy.
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