WHAT IS INDEX UNIVERSAL LIFE INSURANCE?
Indexed Universal life (IULs) is a type of universal life policy. The universal portion means that premiums are flexible and the components of the life insurance policy can be altered throughout the contract.
Why an IUL?
Indexed universal life insurance provides death benefit protection and the opportunity to build money inside your policy called cash value. Even if these indexes drop, you are still safe with a guaranteed minimum interest rate.
Money inside your policy grows income tax-deferred in fixed and indexed strategies
Flexibility in how you want to pay premiums.
Greater growth potential than traditional universal life.
Death benefit protection.
NO Negative Index:
Guaranteed not to have a negative index crediting rate even in a down market.