Protection comes first
The primary purpose is a death benefit. IUL is not a direct investment in an index or the stock market.
Home / Indexed universal life
Indexed universal life
Understand the possibilities. Know the commitments.
IUL is permanent life insurance with index-linked interest crediting potential. Explore how protection, policy costs, and long-term funding work together.
What to consider
A more informed next step.
Look beyond the illustration
Review guaranteed and non-guaranteed values, crediting limits, participation rates, and ongoing insurance charges.
Plan for ongoing funding
Lower crediting or higher costs can require additional premiums. A crediting floor does not prevent cash value from falling after charges.
Questions to ask
A little clarity goes a long way.
Is the illustrated return guaranteed?
No. Non-guaranteed assumptions can change. Ask for a comparison with the guaranteed ledger and lower-crediting scenarios.
Can I use the cash value?
Access depends on the policy. Loans accrue interest; withdrawals and loans can reduce protection and create lapse or tax risks.
Your next chapter starts
with a conversation.
Bring your questions. Start with what matters most.