Indexed Universal Life (IUL) is a permanent policy similar to a traditional UL policy through its flexibility of premium and death benefit; however, it also features a higher growth potential through index interest crediting. The policy owner has the ability to choose a percentage of the cash value to invest within specified “indexes” (such as the S&P 500 or Nasdaq 100) to increase the chances of larger returns.

• Can act as a savings vehicle in which the insured may benefit from the upside potential of market gains.
• Indexed accounts protect the insured from market decline with a guaranteed floor.
• Policy illustrations provide the policy owner with historical data to assist with making informed decisions on which markets to invest in.
• Cash value can grow tax-deferred.
• Can be structured to include living benefits, allowing the policy owner to access the face amount of the policy to cover expenses related to critical, chronic, or terminal illness, as well as long-term care needs.