Yes, you can access funds from your IUL (Indexed Universal Life) policy anytime once you've built up enough cash value.

Withdrawals or policy loans can usually be taken without restrictions, although it's important to manage them carefully to keep your policy in good standing. Always check with your insurance provider to understand any potential impacts on your death benefit or policy performance.

You can typically borrow against your IUL policy once enough cash value has accumulated — usually within the first few years, depending on how much premium you’ve paid.

Some policies may allow you to borrow earlier if you fund it aggressively. It’s a good idea to fund your policy well early on if you want faster access to cash.

Opening an IUL can be quite flexible, but a strong starting point is often around $200 to $500 per month in premium contributions. However, the amount depends on your financial goals, age, and the structure of the policy. Higher contributions build cash value faster and create more borrowing opportunities later.

Yes, you can contribute a lump sum into an IUL, but it must be structured carefully.

Large one-time contributions could trigger a MEC (Modified Endowment Contract) status, changing the tax advantages of the policy. A skilled advisor can help structure your IUL to accept larger payments over time while keeping it tax-advantaged.