Where your 401k, IRA, and traditional retirement accounts have limits on how much you can contribute per year an IUL has no max limits.  The limitation will be based on how the IUL is structured at the time you purchase one based on your age, and how much you ultimately want to fund it with overtime.  This makes the IUL an ideal retirement solution option for high-income earners who want to put away more each year and at the same time have access to their money without IRS penalties if needed. Business owners, executives, and high-income earners love IUL’s because there is simply not another product available that can do what an IUL does.   For high-networth individuals who need a financial vehicle to put away more for retirement, there are additional options such as Premium Financing.  Premium financing is where a bank will finance the premiums for an IUL for a fixed term such as 5 to 15 years.  At the end of the term, the IUL has a significant cash value that you own and was paid in part with bank financing.  This allows an individual to accumulate a larger cash value in their policy. This is can be anywhere from $50,000 a $1,000,000. Speak with your financial professional for more details about premium financing.