Indexed Universal Life (IUL)

Legacy Protection and Tax-Advantaged Growth

Take care of your loved ones and preserve your estate

If you pass away unexpectedly, Indexed Universal Life can help make sure your family has the resources to help maintain their standard of living, pay off mortgages or other debts, and carry out education plans for your children.

It also can be used as a tax-free estate-planning strategy that allows you to efficiently preserve and pass wealth on to your heirs or favorite charity, or to help you protect any business interests.

Build and protect a source of future income

IUL you the flexibility to choose from a fixed interest strategy and a wide range of indexed interest strategies – or any combination of the strategies – that allow for growth potential to help you reach your accumulation goals. Your risk tolerance can change over time. IUL lets you update your allocations of premium and cash value across the various indexed and fixed interest strategies to best suit your financial situation.

Index Options

IUL includes a unique blend of growth opportunities to help you accumulate more assets for future income. Exclusive global and domestic indexed interest strategies incorporate momentum and diversification investing principles, and offer the opportunity for more consistent returns in a variety of market conditions. A 0% minimum floor rate ensures your cash value is always protected from any negative index performance.

More detailed information is available in Index and Strategy Options, or contact us ask for financial consultancy.

The power of protected growth

IUL provides growth opportunities based on the positive performance of the indexed interest strategies you choose. The portion of your premium allocated to each strategy is an individual segment term that lasts one to two years. The hypothetical chart below shows how a crediting rate is determined in different markets.

Additional tax benefits

No penalties to access funds prior to age 59½ – with IUL, any interest credited to your policy is tax-free. There are no penalties for accessing funds before age 59½, or taxes when moving funds between indexed interest strategies.

Tax-free income through loans and withdrawals – once cash value has accumulated in your policy, you can easily access it via policy loans and withdrawals.

IUL policies are not stock market investments and do not directly participate in any stock or equity investments.