Indexed Universal Life

On a monthly or annual basis, the cash value is credited with interest based on increases in an equity index. While IUL insurance may prove valuable to some, it’s important to understand how it works before purchasing a policy.

KEY TAKEAWAYS

Indexed universal life (IUL) insurance policies provide greater upside potential, flexibility, and tax-free gains.

This type of life insurance offers permanent coverage as long as premiums are paid.
Some of the drawbacks include caps on returns and no guarantees as to the premium amounts or market returns.

Indexed Universal Life insurance is a life insurance policy that allows you to invest in your own future.
Indexed Universal Life is a life insurance policy that increases in value with the market. 

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Indexed Universal Life

On a monthly or annual basis, the cash value is credited with interest based on increases in an equity index. While IUL insurance may prove valuable to some, it’s important to understand how it works before purchasing a policy.

KEY TAKEAWAYS

Indexed universal life (IUL) insurance policies provide greater upside potential, flexibility, and tax-free gains.

This type of life insurance offers permanent coverage as long as premiums are paid.
Some of the drawbacks include caps on returns and no guarantees as to the premium amounts or market returns.

Indexed Universal Life insurance is a life insurance policy that allows you to invest in your own future.
Indexed Universal Life is a life insurance policy that increases in value with the market. 

Is Indexed Universal Life right for me?

This can be an attractive option for investors who want to protect their family or their business, and who also want to make sure the policy grows in value over time.

The growth of the policy is based on a formula that depends on market indexes and interest rates.

One of the greatest advantages of indexed universal life insurance is that it provides protection against inflation and market fluctuations. 

The cash value grows over time with interest that compounds annually. The downside is that you may have to pay higher premiums than with other policies.

We can help you get the best rate for your needs.
We’ll also be able to guide you through the process of choosing the right policy with our knowledge of the industry. 

And finally, we work with many different carriers to give you the most options when it comes to your coverage and premiums.

In general, these policies are best for those with a large up-front investment who are seeking options for a tax-free retirement.

“Not only will the right life insurance plan help you protect your family should the unthinkable happen, but it is also a valuable tool for long-term financial planning.”

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