Index Universal Life (IUL)
What is Index Universal Life Insurance?
Index Universal Life (IUL) insurance is a type of permanent life insurance that offers both death benefit protection and cash value accumulation potential tied to the performance of a market index.
IUL policies provide flexibility in premium payments and death benefits while offering the opportunity for cash value growth based on the performance of market indices such as the S&P 500, without directly investing in the stock market.
Growth Potential
Cash value can grow based on the performance of market indices with upside potential and downside protection.
Death Benefit Protection
Provides financial security for your beneficiaries with flexible death benefit options.
Tax Advantages
Tax-deferred cash value growth and tax-free access to cash value through loans and withdrawals.
Flexibility
Adjust premium payments and death benefits to meet changing financial needs and circumstances.
Key Benefits
- Market index participation with downside protection
- Flexible premium payments
- Tax-advantaged cash value accumulation
- Access to cash value for financial opportunities
- Potential for higher returns than traditional whole life
- Permanent life insurance coverage
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