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- info@iulinsurance.com
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Indexed Universal Life (IUL)
All Purpose Life Insurance
Build tax-free retirement income. Build tax-free inheritance. Pay for college education tax-free. Pay for long-term care tax-free.
Did You Know that …?
An Indexed Universal Life (IUL) policyowner does not have to die to use his/her life insurance benefits. That’s right. IUL pays both living and death benefits, so you can use your life insurance policy while you are still alive. You are protected while you are alive as well as after you die. It’s a win-win for policyowners. Even better, all benefits are guaranteed and are paid 100% tax free.
What can IUL Life Insurance Do for You?
Build Retirement Income
IUL cash value accumulation can grow to hundreds of thousands, or even millions, of dollars over time. This accumulated cash is for the policyowner to use for any financial needs including supplementing retirement income. All cash value payments are 100% tax free.
Build Inheritance
IUL death benefit is paid to the named policy’s beneficiary upon the death of the insured. It is a guaranteed transfer of wealth from one generation to another, and it is 100% tax-free. Nothing does inheritance quite like life insurance
Pay for College Education
IUL cash value account can accumulate hundreds of thousands or millions of dollars over time. The policy owner can access this accumulated cash via policy loans and/or withdrawals and use the funds to pay for college education, eliminate debt, pay off mortgage, etc.
Pay for Long-Term Care
This benefit allows you to access up to 100% of your policy’s death benefit if you are diagnosed with terminal, chronic, or critical illness. This advance payment will help you pay for out-of- pocket medical expenses. It’s also 100% tax-free.
Indexed Universal Life
Protect, Grow, and Secure Your Future
Indexed Universal Life (IUL) insurance offers flexible coverage with the potential for cash value growth tied to market performance. Our mission is to help you build a secure financial future while ensuring lifelong protection for you and your loved ones.
Case Study- An Example of IUL Cash Accumulation
Here is an example of the cash accumulation of a max-funded IUL policy. This is an illustration generated for a 45-year-old client. His financial goal was to accumulate at least $3 million in death benefit for his family and $1.5 million in cash value accumulation to supplement his retirement income at age 65. Both goals were met as shown below.
As shown in the summary of coverages above, this policy is projected to accumulate over $5.9 million in death benefit at age 85; $1.9 million in cash accumulation at age 65, and over $12 million in cash accumulation at age 100 when the policy endows. So, the policyowner stands to be paid between $1.9 million and $12 million over his lifetime- all paid 100% tax free. Also, notice that there are long-term care benefits included in this policy that pays for care for terminal, chronic, and critical illnesses at no additional cost to the policyowner. As you can see, one IUL policy, if structured and funded properly, can provide full financial security for you, your family, and future generations of your family. That’s the power of indexed universal life (IUL) insurance.
Testimonials
With 401K, you’re at risk of losing some or all of your money due to stock market downturn. Plus, you’ll pay taxes when you begin drawing your money. With IUL, you don’t have to deal with any of those issues. You can’t lose a penny of your money due to market downturn, and you don’t pay a penny in income tax when you begin taking your money. It’s the perfect financial product for retirement savings.
IUL Guarantees You Should Know
- Cash value growth is guaranteed over the life of the policy.
- Annual interest earned can never be lost due to market losses.
- Death benefit protection guarantees payment to beneficiary after the death of the insured.
- Guaranteed protection for your money. You’ll never lose a penny of your money due to stock market downturn.
- Guaranteed minimum floor rate of 0%. The minimum interest rate your account can be credited with is 0%, so your account balance will never go down.
IUL Guarantees You Should Know
Guaranteed Protection
IUL offers guaranteed protection for your money.
You’ll never lose a penny due to stock market downturns.
100% Tax Free Benefit
Death benefit is paid 100% tax free to the policy’s beneficiary.
And that means more inheritance for your loved ones.
Guaranteed Death Benefit
Your beneficiary is guaranteed to receive payment after you pass away.
Payment is made within days and no restrictions on the use of the funds.
Annual Interest Locked-in
Interest earned each year is locked in and can never be lost due to stock market downturns.
Guaranteed Floor Rate
IUL offers a guaranteed floor rate of 0% for your cash value, meaning that your account cannot be credited with negative interest rate.
Guaranteed Cash Value Growth
Cash value growth is guaranteed over the life of the policy.
Cash value grows by sharing in the stock market gains subject to a cap rate.
IUL Frequently Asked Questions
Getting started is easy. Click on the “Get Started Today” button. Pre-qualify by filling out our form and answering a few questions. Click “Submit” to submit the form. Finally, book an appointment to speak with an agent.
No. IUL is NEVER invested in the stock market or in stocks. Instead, IUL is linked to a stock market index. The movement of the index is used to determine how much interest to credit to an index account at the end of the year.
No. No direct investment is ever made in stocks, so no dividends are paid.
An IUL contract protects your money with a 0% floor rate, meaning that the lowest interest an account can earn each year is 0%. So, you can’t lose a penny of your money due to the market downturns.
You can get money out of your IUL account through withdrawals and policy loans. Be sure to consult your agent before you start distributions. Excess distributions could result in policy lapse or an increase in your premium.
Yes. You’ll be scheduled to see a local lab for basic exam. No invasive procedure is involved. They will take blood and your vital
signs. They may also ask a few questions about prescription medications.