Index Universal


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Protection, Wealth Accumulation, Permanent Protection

What is it?

Indexed universal life is a type of permanent life insurance that offers the same features as traditional Universal Life but with an opportunity to earn interest linked to the performance of an indexed account such as the S&P 500, while protecting the policy’s cash value from market risk. Many IUL products may also offer protection from downside risk through a minimum guaranteed interest rate guaranteed by the issuing insurance company.

What are the benefits?

If you need to, you can access your available cash value income-tax-free through policy loans that can help you:

  • Supplement your retirement income
  • Complement a college funding strategy
  • Pay off debts (credit cards, student loans, mortgage, etc.)
  • Pay for emergencies and unexpected events


Features of Universal Life

  • Permanent protection
  • Accumulate cash value based on market indexes
  • Opportunity for greater accumulation potential than traditional universal life insurance
  • Built-in annual floor ensures that the cash value will not decrease due to market volatility.
  • Policy does not directly participate in any stock or equity investments.

What else to look for?

If you or your family will have other needs, you might buy Universal life or one of the following products:

• Term Life • Long Term Care • Accidental Death
• Disability • Whole Life • Final Expense


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