Index Universal Life Insurance
A vehicle that helps you build predictable, safe, tax-efficient wealth for the rest of your life.
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Key Benefits
Safe & Steady
Never risk losing your principal yet still access steady growth within a set range every year, with a cap (typically 9%) and a floor (typically 0%) based on the returns of an index like the S&P 500.
Protective
Get lifelong coverage with the option to protect you and your loved ones in a variety of scenarios.
Tax-Efficient Growth
Have the potential to grow tax-efficient wealth by investing your premiums into assets you choose.
IUL Money Calculator
IUL policies typically allow you to grow a portion of your premiums through allocation to an index. Insurers often offer a growth cap of 9% and floor of 0%. This allows for upside potential with downside protection. Did I mention it’s all tax-efficient?
DEATH BENEFIT
A death benefit will be associated with the policy based on an individual's age and health.
*Tables and charts are for illustrative purposes only and are not based on any specific policy example. Please reference your specific policy for additional details. All guarantees and contractual obligations are based solely on the claims-paying ability of the issuing life insurance company.
Steady returns and long-lasting protection
Want some extra cash but don't want to sell your stocks or take out money from your retirement or your house? We offer IUL policies that offer a predictable growth trajectory for a portion of your premiums to use for retirement while offering protection that lasts a lifetime.
FAQs
Can I choose policies based on my risk tolerance?
Can I choose policies based on my risk tolerance?
Yes, you may choose the income strategy within the policy. The three available strategies are: Whole life: a fixed monthly interest rate for your cash value that usually lies between 3.5-5%. In addition, these whole life products can produce annual dividends depending on the profitability of the life insurance company. Dividends can be used to reduce premium, can be paid out in cash, or be used to purchase additional insurance thus increasing cash value. This strategy is for policyholders with a conservative risk tolerance. Indexed universal life: crediting to the accumulation value is based on market indexes such as the S&P 500, or other national and international indexes. Returns are subject to caps and/or participation rates. The minimum floor is often zero. This strategy is for policyholders with moderate risk tolerance. Variable universal life: a portion of premiums paid can be invested in sub-accounts offering various crediting options typically based on mutual funds (within the available funds list of that particular carrier). This strategy is for policyholders with high risk tolerance. Most carriers will offer the multiple versions of the three strategies. If you need help finding the best product type for you, please consult with one of our licensed experts to better understand which strategy is best for you.
What are the benefits and drawbacks of permanent life insurance?
What are the benefits and drawbacks of permanent life insurance?
Permanent life insurance can be a great product to add to your financial plan when used in the right way. Some of the most popular benefits of permanent life insurance include: Lifelong protection Accelerated benefit riders that allow access to your coverage for long term illnesses Tax-deferred growth of cash value Tax-free supplemental retirement income Some protection against creditors for your assets The downsides of permanent life insurance are: More expensive than term life insurance Cash in your policy is a long term cash accumulation strategy and ideally should not be accessed for 10-20 years
Who is permanent life insurance suitable for?
Who is permanent life insurance suitable for?
Permanent insurance is for individuals and families who have disposable income and are looking to solve one of the below problems in their financial plan:
- Looking for tax-advantaged accounts to accumulate their savings in. For most people, there is a limit to savings in 401K, Roth IRA, etc.
- Don’t want their entire portfolio to be subject to market volatility and are looking for an account for steady growth and principal protection.
- Looking to transfer wealth to their family in a tax-efficient manner.
- Worried about saving for long-term care.
- Looking for lifetime life insurance coverage beyond the next 20-30 years.
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