Indexed Universal Life Insurance
What is an IUL?
If you are looking for permanent life insurance coverage that offers the flexibility of universal life and a cash value with higher growth potential, you may want to consider indexed universal life insurance.
IUL’s can be a great investment tool when utilized properly. There is significant potential for healthy gains, and the account is not at risk for losing the original cash value.
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An indexed universal life insurance policy (IUL) is a flexible permanent life insurance policy that contains both an insurance component (death benefit) and an investment component (cash value).
An IUL offers more flexibility for you to adjust your policy as you age, and allows you to benefit from a growing market with less risk.
However, increases in the cash value are typically limited by the insurer. In return, if the index generates a negative return, the client will not be negatively impacted.
Benefits of an IUL
- Cash value growth is tax deferred.
- The cash value in indexed universal life insurance can be accessed at any time without penalty.
- Borrowing from cash accumulation is tax free.
- Higher return potential compared to other universal life and whole life policies.
- Impressive degree of policy flexibility and customization.
- No risk unlike investing in the stock market.
- Death benefit remains tax free.
- The potential for return is enormous.
IUL Living Benefits
The indexed universal life insurance living benefits provide the consumer a financial benefit when faced with a critical, chronic or terminal illness.
The living benefit provides an accelerated death benefit that advances a portion of the policy death benefit (potentially up to 90%) in the event of critical, chronic or terminal illness.
It allows you to access a portion of death benefit while you are still living under certain conditions with no extra fees.
Contact us now to request a FREE consultation regarding your eligibility for an IUL policy.
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