Our Indexed Universal Life Insurance policies include:
Adjust your premium payments according to your financial situation.
Access a portion of your death benefit early in the case of terminal illness or specific medical conditions.
Savings component tied to a stock market index, offering potential for higher returns.
Enjoy tax-deferred growth of cash value and tax-free loans and withdrawals under certain conditions.
By linking your cash value growth to a market index, you can benefit from market upturns while being protected against downturns.
Access funds during your lifetime for emergencies or medical expenses, without impacting the policy’s death benefit significantly.
Use your policy’s cash value for tax-free loans or withdrawals, ensuring a more efficient wealth transfer to beneficiaries.
Contact us to learn more about Indexed Universal Life Insurance and get a personalized quote!
It’s a type of permanent life insurance that includes a cash value component linked to a stock market index.
Unlike whole life, IUL offers flexible premiums and potential for higher returns; unlike term life, it provides lifelong coverage with a cash value component.
They are often linked to major indices like the S&P 500, but options vary among providers.
The cash value is protected from direct market losses, though caps on returns may apply.
Death benefits are generally tax-free. Loans and withdrawals can be tax-free, provided the policy is not lapsed.
Premiums can be adjusted within certain limits, offering flexibility based on your financial situation.
Investment options depend on the linked indices and the policy’s terms.
Growth is linked to stock market indices and typically has a floor to protect against market downturns.
Yes, through loans or withdrawals, subject to the terms of the policy.
Surrendering the policy early may result in penalties and impact the tax benefits.
