Permanent life insurance with flexible features and index-linked cash-value potential.
Indexed universal life combines permanent death-benefit protection with flexible policy features and cash-value interest crediting that may reference market-index performance. The policy does not directly invest in the index.
Start with the purpose of the coverage.
IUL is often considered by people who want permanent protection plus cash-value accumulation potential, while retaining flexibility within the policy’s premium, death-benefit, and crediting rules.
Items to consider
- Primary death-benefit objective
- Planned premium and funding strategy
- Policy charges and cost of insurance
- Index-crediting methods, caps, participation rates, and floors
- Guaranteed values versus illustrated non-guaranteed assumptions
Questions worth thinking about first.
You do not need to have every answer before requesting a review. These questions help organize the discussion.
Is permanent life-insurance protection the primary reason for considering IUL?
Can you maintain the planned funding level over time?
Are you comfortable reviewing how charges and non-guaranteed index crediting can affect policy performance?
Important: IUL is life insurance, not a direct investment in a market index. Crediting terms and policy charges apply, illustrated values may be non-guaranteed, and actual results can differ from illustrations.
Start with a scheduled conversation.
Tell us what you would like to discuss during your consultation. The detailed Insurance Coverage Review form will remain unavailable until its final consent language is approved.