IUL insurance is like universal life insurance: it lasts your entire life and builds cash value.
Unlike universal life insurance, an IUL policy ties the cash value account to a stock index, which means an IUL policy has the potential for greater growth.
You can control over your death benefit and payments depending on your need for coverage
You cash value account has the potential for more growth when the market grows
Your cash value account is tax-deferred, allowing you to reduce or stop making premium payments
You can access the cash value in your IUL policy any time without penalty
You has this benefit permanent, and it is not subject to income or death taxes
Your UIL is protected from lapsing if you become disabled
Our policy provides a benefit if you experience one or more of the following medical emergencies
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Sign your policy terms and take comfort in knowing you and your family are covered.
An IUL policy allows you to grow cash value by putting a portion toward a selected stock index, such as the S&P 500, Down Jones or NASDAQ. The interest credited to your account is based on the performance of the index.
Each indexed account includes a minimum crediting rate of 0% (the floor) to protects you from market-based loss; it also includes a maximum crediting rate that would limit your growth compared to the market (the cap_ as well).
Term life is the simplest form of life insurance protection. You pay a fixed monthly amount for 10, 20, or 30 years.
An IUL policy gives you a more flexible financial tool with benefits that can last a lifetime. You have a freedom to adjust your premiums and death benefits depending on your financial status. You also build a cash value account overtime and can access anytime during your life span.
While both IUL and UL are types of permanent policies, there are some differences:
IUL is a specialized product allowing you to take advantage of the market to grow your cash value at a faster rate while you can enjoy the advantages of a normal permanent life policy.
Discuss your situation with a financial professional can guide you to the right solution for your needs.
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