Indexed Universal Life (IUL)
Explore how this solution works, why someone may consider it, and the policy or contract details worth understanding before making a decision.
Make A Change.What it is
A form of permanent life insurance that provides a death benefit along with a cash value component that can earn interest based on the performance of a market index, such as the S&P 500.
Why someone may consider it
Someone may explore it when seeking permanent protection, premium flexibility, and the potential for interest credits linked in part to a market index.
Key features
May offer flexible premiums and adjustable coverage. Interest-crediting methods commonly include a floor, cap, participation rate, or other limits described in the policy.
Important things to understand
An IUL is a life insurance policy, not an investment in the stock market. Growth is usually subject to caps (maximums) and participation rates. Fees and charges apply, and cash value growth is not guaranteed.
Watch & Learn
A brief video explanation is coming soon.