Indexed Universal Life Enrich yourself, not the insurance company.
Indexed universal life (IUL) allows the owner to allocate cash value amounts to either a fixed account or an equity index account. Policies offer a variety of well-known indexes such as the S&P 500 or the Nasdaq 100 and are protected from any downside market movement. IUL policies offer tax-free* cash accumulation for retirement while maintaining a death benefit. The cash value amounts paid to the policy cover the costs of the renewable life insurance coverage. The best part about IULs is that you keep most of the gains of the upside market movement and zero of the losses of the downside movement. It’s almost too good to be true.
Product Types
Term
Term Life is the most affordable life insurance for the average consumer. If Term is what you can afford it is a great option. Families need coverage. Policies start at as little as $10 a month!
Indexed Universal Life
Indexed Universal Life or IUL’s are one of the greatest insurance products on the market. Ask us about the numerous benefits that come along with an IUL policy. For starters, the money you pay in belongs to you, not the insurance company.
Premium Financing
Premium Financing is basically an IUL on steroids, it’s simply due to the power of compounding interest and leverage. What used to be a tool of the uber wealthy, is now available to $150k earners!
Whole Life
Whole Life policies are the predecessors of IULs. They usually come with a performance guarantee near 2% and their performance usually peaks at 4%. They are useful for the most conservative of society and others.
Knowledge Base
Check out our articles describing, comparing, and evaluating various insurance products and services.
