That’s where iul for high income earners comes into play — and it’s a key strategy we recommend at FIG Wealth Advisors. At FIG Wealth Advisors, known as "The Retirement Wealth Company", we specialize in retirement planning and alternative wealth-building strategies designed to protect and grow your assets with a safe money and outside-the-box focus. An Indexed Universal Life Insurance (IUL) policy is a form of permanent life insurance that combines a death benefit with the ability to build tax deferred cash value.