Indexed Universal Life (IUL)

Permanent Coverage with Index-Linked Growth Potential

Indexed Universal Life (IUL) is a type of universal life insurance where cash value growth is tied to the performance of a market index, subject to caps, participation rates, and policy limitations.

How It Works:

Cash value is credited based on index performance. Funds are not directly invested in the market. Growth is subject to policy structure, caps, and charges.

Ideal For:

Long-term planning strategies
Individuals seeking flexible permanent coverage
Those interested in index-linked growth potential

Key Features:

Lifetime coverage
Flexible premiums
Index-linked crediting (subject to limits)
Downside protection (typically 0% floor, depending on policy)

Indexed Universal Life policies do not directly invest in the stock market. Interest credits are subject to caps, participation rates, spreads, and policy charges. Returns are not guaranteed. Policy lapse may occur if insufficient premiums are paid. Guarantees are based on the financial strength and claims-paying ability of the issuing insurer.

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