INDEXED UNIVERSAL LIFE INSURANCE
Protection for today Potential for tomorrow
Permanent life insurance designed to protect the people you love while offering cash value growth potential linked, in part, to a market index, without your money being directly in the market.
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Life insurance with room to grow
INDEXED UNIVERSAL LIFE, EXPLAINED
Indexed universal life insurance, or IUL, is a type of permanent life insurance that combines death-benefit protection with the potential to build cash value over time. Unlike traditional investments, the policy’s cash value is not invested directly in the stock market. Instead, interest may be credited based partly on the performance of an external market index, subject to the policy’s terms.Features such as a floor, cap and participation rate help determine how interest is credited. The floor can provide protection from negative index performance, while the cap and participation rate may limit how much of an index’s growth is credited to the policy.IUL policies also offer flexibility. Premium payments and death-benefit amounts may be adjustable within certain limits, but the policy must be properly funded and regularly reviewed. Policy charges, insurance costs, loans and withdrawals can reduce cash value and may affect the policy’s ability to remain in force.
How does an IUL work ?
Lifelong coverage depends on sufficient policy value and premiums to cover ongoing policy changes.Growth potential, with guardrails
UNDERSTANDING THE CREDITING TERMS
When index performance falls between the floor and the cap, the credited rate is determined according to the policy's crediting method and terms.
Terms vary by carrier and may change. Policy expenses and insurance costs are deducted separately. Loans, withdrawals and insufficient funding can reduce policy values and may cause the policy to lapse.