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Indexed Universal Life (IUL)
Indexed Universal Life (IUL) is a permanent policy similar to a traditional UL policy through its flexibility of premium and death benefit; however, it also features a higher growth potential through index interest crediting. The policyowner has the ability to choose a percentage of the cash value to invest within specified “indexes” (such as the S&P 500 or Nasdaq 100) to increase the chances of larger returns.
Can act as a savings vehicle in which the insured may benefit from the upside potential of market gains.
Indexed accounts protect the insured from market decline with a guaranteed floor.
Policy illustrations provide the policyowner with historical data to assist with making informed decisions on which markets to invest in.
Cash value can grow tax-deferred.
Can be structured to include living benefits, allowing the policyowner to access the face amount of the policy to cover expenses related to critical, chronic, or terminal illness, as well as long-term care needs.
Term Life Insurance
Term life insurance provides coverage for a predetermined amount of time, typically between 1 – 35 years. Death benefit will payout if the policyowner passes away within the term of the policy.
Cost effective option for young growing families or individuals looking for more affordable coverage.
There is no guarantee of renewal when the term ends; however, certain term policies may allow for an option to renew.
Fixed Indexed Annuities
With Fixed Indexed Annuities, premiums are tied to an index and credited in a similar fashion to IULs. As with IULs, Fixed Indexed Annuities offer principal protection and a death benefit, with the possibility for gains contingent upon market performance.
A type of tax-deferred insurance product.
Can be structured to provide income for life, acting as another resource for retirement income.
Provides protection from market decline with a guaranteed floor.