Build a Stable, Prosperous Future with Flexible Life Insurance
Discover Flexible Lifetime Coverage with Indexed Universal Life Insurance. Secure your family’s future and benefit from the growth potential of the markets, tailored to your financial goals.
Explore Our Flexible Insurance Solutions
Discover versatile insurance solutions that adapt to your life’s journey. Enjoy tailored coverage, smart investments, and flexible financial planning with Indexed Universal Life Insurance.
Explore Our Flexible Insurance Solutions
Discover Versatile Insurance Solutions for Every Stage of Life.
Flexible, Customizable Life Coverage Options
Flexible Life Coverage: Customize premium payments and coverage to adapt to life changes, ensuring financial security for your loved ones.
Market-Linked Growth Potential
Tap into indexed account growth potential while receiving life-long coverage. Benefit from market-linked gains without direct market risks with a protective cap and floor.
Estate and Legacy Planning
Use our policies for smart estate planning, ensuring your assets are distributed according to your wishes while minimizing estate taxes for your beneficiaries.
Policy Loan Flexibility
Access funds through loans against your policy’s cash value for financial flexibility during short-term needs without impacting long-term goals.
Testimonials
Jasmine Richards
Just adjusted my life coverage with Indexed Universal Life – so flexible. Great for aligning with my changing family needs and solid estate planning too!
Monica Chandler
Switched to Indexed Universal after comparing others. Their estate planning is straightforward, and investment growth options genuinely outpace similar plans I've tried. Definitely worth considering.
Thomas Krazinski
The loan options from Indexed Universal Life Insurance provided some easy, quick financial relief, with no fuss. Handy for managing those unexpected expenses smoothly.
FAQs
Common Questions Answered for Your Peace of Mind
What is Indexed Universal Life Insurance (IUL)?
IUL is a type of permanent life insurance that offers flexible premiums and death benefit protection. The cash value in IUL policies can grow based on a market index, with defined protections like guaranteed minimum interest rates.
How does the cash value in an IUL policy grow
The growth is tied to a stock market index, with safeguards like caps and minimums to manage risk.
Can I access the money in my IUL policy?
Yes, you can take loans or make withdrawals from the available cash value of your policy. Loan and withdrawal options are subject to the policy terms and will reduce both the cash value and death benefit.
What happens if I cant make premium payments?
If unable to make a payment, your policy's cash value can cover it, preventing lapse.
How are IUL policies taxed?
The death benefit is generally income-tax-free. Premiums are not tax-deductible. Cash value grows tax-deferred.
Is an IUL right for me?
IUL might be right if you're looking for a long-term insurance product with the added benefit of cash value linked to market indices, providing potential for higher returns. It’s suitable for those needing flexibility in premium payments and financial protection with the ability to access cash value through loans. A consultation with one of our representatives can help tailor the policy to match your individual goals and needs.