Indexed Universal Life

Indexed Universal Life Insurance

Indexed Universal Life is permanent, flexible insurance coverage. It includes the opportunity to adjust the premium and the death benefit, as well as accumulate cash value on a tax-deferred basis.

What is included in an Indexed Universal Life Insurance policy?

Permanent Coverage – As long as premiums are paid on time, you have coverage for the rest of your lifetime.

Tax Advantages – Income tax-free death benefit, potential for tax-deferred cash value accumulation & income tax-free policy loans/withdraws.

Accelerated Death Benefits – Early access to a portion of your death benefit in the event of a terminal or chronic illness.

Flexible Premiums and Benefits – Unique option to change the premium payment amount, payment frequency and death benefit.

Universal life coverage may be right if you:

  • Need coverage to protect your loved ones from the financial consequences of your death
  • Value the opportunity to accumulate cash value that you can later access to pay for expenses such as college funding or emergencies
  • Want the flexibility to adjust your payments and death benefit amount
  • Have maxed out your IRA or 401(k) and need additional options to save for retirement

Want to learn more about Indexed Universal Life Insurance?

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