01
The foundation
Protection with a bigger picture.
Understand permanent life insurance and how a death benefit can help protect the people and priorities that matter to you.
INDEXED UNIVERSAL LIFE. EXPLAINED.
Life insurance.Reimagined.
Protect the people you love.
Discover possibilities for the life you’re living.
Shirley Luu’s guide to understanding cash value life insurance—and the role it could play in your financial future.
★★★★★4.6 on Amazon · 664 ratings
IUL ASAP!THE BOOK THAT STARTED THE CONVERSATION
FINANCIAL EDUCATION. POSSIBILITIES FOR LIFE.
3Ways to experience it.
Paperback · Kindle · Audiobook
#4BESTSELLER RANKINGPaperback · Kindle · Audiobook
Life Insurance Category | Amazon.com
All-time ranking observed September 17, 2026
178pages to a more
informed conversation
informed conversation
01 / THE BOOKPOSSIBILITIES WORTH UNDERSTANDING
Cash value life insurance provides
multiple possibilities.
What if life insurance could play a part in the life you’re living, as well as the legacy you leave?
IUL ASAP brings indexed universal life insurance into focus. Shirley Luu explains the concepts in everyday language, helping you understand how protection and cash value can work within one policy.
Explore how an IUL could support different chapters of your life—and the costs, commitments and questions that deserve a closer look.
Explore the book on Amazon02
The potential
Give cash value room to grow.
Explore index-linked interest, crediting floors and tax-deferred growth—along with the caps and policy charges that shape the result.
03
The flexibility
A policy for changing priorities.
Learn how funding, coverage and access to cash value may adapt as your income, family and goals evolve.
04
The life ahead
Think beyond the death benefit.
Discover potential uses for cash value and available living-benefit riders, from future opportunities to support during a qualifying illness.
02 / A DIFFERENT CONVERSATIONUNDERSTAND YOUR OPTIONS
Three letters.
A wider perspective.
IUL stands for indexed universal life.
Start with what matters to you.
A QUESTION WORTH ASKING
What if your policy could share in market upside?
The “I” in “IUL” stands for indexed. Your policy can earn interest linked to an index, without investing directly in the market. A crediting floor limits negative index credits, while caps, participation rates and policy costs help determine the actual outcome.
01An index is measured02The crediting formula applies03Interest may be credited
A 0% crediting floor does not prevent cash value from declining due to policy charges or loans.
A QUESTION WORTH ASKING
Could your coverage evolve as your life changes?
The “U” stands for universal—and flexibility is the idea behind it. Within policy limits, you may adjust premium payments, change coverage, or use available cash value for different goals. An IUL can be designed with the chapters ahead in mind.
01Your priorities evolve02Review funding and coverage03Adjust within policy limits
Lower funding can cause a policy to lapse. Coverage increases may require underwriting; premium limits and tax rules apply.
A QUESTION WORTH ASKING
What could protection mean throughout your life?
The “L” stands for life insurance. An IUL is designed for lasting coverage when properly funded. Available living benefits may offer access to part of the death benefit during a qualifying illness, while the remaining death benefit can help support the people you leave behind.
01Protect the life you’re building02Explore available living benefits03Plan for your legacy
Riders, qualifying conditions and costs vary. Accelerated benefits generally reduce the amount paid to beneficiaries.
Explore each perspective
An IUL is a life insurance policy. Features, costs and suitability vary. The book helps you understand the questions; a personal conversation helps you explore the answers.
03 / READER PERSPECTIVESCLARITY RESONATES
A clearer picture.
A lasting impression.
Rating and count verified September 17, 2026. Ratings can change.
Read the Amazon reviews04 / THE PEOPLE BEHIND THE PAGESEXPERIENCE MEETS EDUCATION
05 / PRESS PLAY ON A NEW PERSPECTIVEYOUR FIRST CHAPTER IS FREE
PREFER TO LISTEN?
One chapter.
A new way to think.
Listen to Chapter 1 of IUL ASAP free.
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IUL ASAPChapter 1 · Free audio access
06 / YOUR NEXT CHAPTERLET’S MAKE IT PERSONAL
COMPLIMENTARY · NO OBLIGATION
The book opens
possibilities.
Let’s explore yours.
Already finished the book? Still turning over a few questions? Talk with a licensed financial professional who is a Shirley Luu Associate about the people, priorities and plans that matter to you.
- Bring your questions about the book
- Explore your protection and financial goals
- Understand whether an IUL may fit
Shirley Luu & AssociatesYour conversation. A licensed financial professional.
Choose an available time in the calendar.
Prefer a separate window? Open the IUL consultation calendar ↗
YOUR COMPLIMENTARY CONVERSATIONWITH A SHIRLEY LUU ASSOCIATE
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A FEW GOOD QUESTIONS
Before you
turn the page.
Who is IUL ASAP for?
Anyone who wants a clearer understanding of indexed universal life insurance—whether you’re protecting a growing family, exploring future income possibilities, or thinking about your legacy. You don’t need a financial background to begin.
Is an IUL the same as investing in the stock market?
No. An IUL is life insurance. Interest may be linked to an index, but you do not invest directly in that index. The policy’s crediting terms determine interest, and insurance costs and other charges still apply.
Can I access the cash value in an IUL?
Depending on the policy and available value, loans or withdrawals may provide access. They can reduce cash value and the death benefit, incur interest or charges, and increase lapse risk. Tax treatment depends on policy status and how money is accessed. Review the details with a licensed professional and tax adviser.
How flexible are premiums and coverage?
You may have options to change the amount or timing of premiums and adjust coverage, within policy limits. You still need sufficient funding to keep the policy in force. Coverage increases may require underwriting, and premium changes can affect tax treatment.
Do I need to read the book before booking?
No. You’re welcome to book a complimentary conversation whether you’ve read every page or are just getting started. Bring the questions you have today.
Where can I buy or listen to the book?
IUL ASAP is available in paperback, Kindle and audiobook editions through Amazon. You can also request free access to Chapter 1 and receive the listening link by email.
YOUR LIFE. YOUR POSSIBILITIES.