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Indexed Universal Life Insurance

If you’re worried about life insurance and how to get life coverage that’s flexible and can grow with you over time, indexed universal life insurance might be the policy for you. You may want to consult one of our agents who specializes in IUL to help you choose the best policy.

How does it work

Indexed life policies work by investing some of your premiums in a stock market index fund (or “market value account”) while keeping the rest in safe investments through a life insurance company. Some indexed life policies allow you to buy additional units over time which further increases your gains on the markets.

As long as the life insurance company is financially stable, your indexed life policy is guaranteed to increase in value as the market does, although this may also come at a price.

Indexed life policies have some of the highest commissions and fees so be sure to weigh these with projected benefits when choosing your policy with us.

Offering life coverage that’s flexible and can grow as you spend time building your dreams allows for freedom from worry about life insurance – so buying an indexed life policy might just be what you need!

Here are just four reasons that an indexed life insurance policy might be exactly what you’re looking for:

1) You want low fees, flexible options, and life-long protection

IUL life insurance policies are known for their low costs because they don’t require commissions like traditional life insurance. And since indexed universal life insurance policies allow the option to adjust the premium payment frequency, life insurance premiums are easy to manage – you can pay your life insurance monthly, quarterly, semi-annually, or annually.

2) You want life-long protection

Since indexed life insurance policies do not have a lifetime benefit period, you will never “lose” coverage if you decide to stop paying life insurance premiums. And again, with the option to adjust life insurance premiums or payment frequency, life insurance can be as flexible as you need it to be.

3) You want protection for your family today and for years to come

For many people around the world, making sure that their families are protected after they’re gone is of utmost importance. Life insurance indexed life insurance policies are great ways to protect both your family’s future and their lifestyle by providing life-long protection that builds over time, with the ability to grow at double or triple-digit rates!

4) You want tax-advantaged life insurance investments

Lastly, IUL insurance has the potential to provide a great tax-advantaged investment. If you’re looking for life-long protection and tax-advantaged life insurance investments that will add up over time, an indexed life insurance policy might be right for you. Contact us today to find out!

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