Balance Protection and Growth with Indexed Universal Life Insurance
A Smart Strategy for Long-Term Financial Security
Discover how Indexed Universal Life Insurance not only provides the peace of mind of life insurance but also Income Protection, Living Benefits in case you were to become unable to work due to accident, chronic or critical illness, Tax-free Retirement income strategy, Tax Free Death Benefit for the ones that matter most to you, LTC Care planning, and the potential for cash value growth linked to market indices allowing you to create Generational Wealth!
Ideal for those seeking a flexible and dynamic approach to long-term financial planning.
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Understanding Indexed Universal Life Insurance
What is an IUL?
Indexed universal life insurance combines the death benefit protection of permanent life insurance with the potential for cash value growth linked to the performance of an underlying market index. The death benefit proceeds of your policy are generally transferred tax-free to your beneficiaries. While IUL policies offer tax-deferred cash value growth potential1, your premium is not invested directly in the market and is 100% protected from loss associated with the market.
We are brokers and can offer 100's of IUL products from Various carriers!
We have access to a unique IUL Policy that is exclusive to about 60,000 agents nationwide of over 1 million Industry agents!
This exclusive IUL offers some things others do not!
LifePay Income Benefit
The LifePay Income Benefit can provide a source of guaranteed lifetime income, even to age 100 or more.
PlanGap® Benefit
The PlanGap® Benefit can help offset potential reductions in social security benefits with payments that are paid out over 12 years
Enhanced Death Benefit
The Enhanced Death Benefit could provide a greater death benefit than the base contract and is paid out over 5 years
Benefits of IUL
IUL pays a benefit to the named beneficiary in the event of the death of the insured, which passes to the beneficiaries generally free from income taxes.
An IUL is a permanent policy, so it won’t expire after a set time frame like term life insurance, as long as sufficient premiums are paid. You also benefit from:
Flexible growth options Some of the premium payment is used to pay for the costs associated with insurance. You can allocate the rest to either a fixed account or an index account linked to the growth of an index, or a combination of both.2 Any growth applied to the index account is credited on the beginning account value prior to taking out the cost associated with insurance.
100% downside protection Some indexes also have a index cap, or maximum interest rate. A participation rate or spread rate may also be applied which is used in the calculation of the index credit
Minimum account value
Some IUL's have a lookback feature to help ensure that the interest credited to the policy meets a set minimum. Every 10 years or upon death, lapse, surrender, or policy maturity, we’ll compare the account value to the minimum account value. If the account value is less than the minimum account value, then the account value will be increased so that the account value is at least as large as the minimum account value. The increase will be added to the fixed account.
However, if the account value is greater than the minimum account value, no change is made to the account value
Features of IUL
An opportunity for cash value growth without the risk of loss
Indexed universal life insurance provides the opportunity to earn interest based on the upward movement of a stock market index. When stock market index performance decreases, your account value is protected from negative performance by a floor that is guaranteed to never be less than 0%. A index cap may also be applied. Although performance is based on a stock market index, your premium is not actually invested in the market
Help supplement retirement income Life insurance can help provide additional financial resources as you age, whether to help supplement your retirement income or other financial needs that arise through accessing your policy’s cash value using loans and withdrawals
Accelerated Death Benefits Critical Illness A benefit in the event of a major medical event like cancer, heart attack, kidney failure, or major organ transplant within the last 12 months as defined in the endorsement. Chronic Illness A benefit if 2 of 6 Activities of Daily Living can no longer be performed without substantial assistance.8 8 Terminal Illness A benefit if a health professional has certified your life expectancy as 24 months or less
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Every financial journey is unique, and so are your insurance needs Let us help you understand if Indexed Universal Life Insurance aligns with your long-term goals.
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Why Choose Us For Your IUL Needs?
Expert Advice: Our professionals are well-versed in the nuances of life insurance.
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Take control of your financial future with the right balance of insurance and investment. Inquire about Indexed Universal Life Insurance today!
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