Protection, cash value, and flexibility
Index Universal Life
Life insurance that also builds cash value over time.
Good forPeople who want life insurance plus a pool of cash they can use later.
01
What to know
A death benefit for your family
When you pass away, your family generally receives the death benefit free of federal income tax.
Cash value linked to an index
The cash value can earn interest based on a market index. A floor in the policy limits losses from index drops. Policy charges still apply.
Access through policy loans
You may borrow against the cash value. Loans are not free. Interest can add up and an unpaid loan can lower the death benefit or end the policy.
Flexible premiums
You have some choice in what you pay. You still must pay enough to keep the policy in force.
ImportantIUL is life insurance, not a stock market investment. Policy costs, loans, and low index returns can reduce value or cause the policy to lapse. Whether it fits depends on your age, health, and goals.
02
Richelle explains it
Wondering if this fits you?
Let us find out together.
Richelle will look at your own numbers and tell you plainly whether this belongs in your plan.
No pressure. No obligation. Just answers.