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Indexed Universal Life

A permanent life insurance policy that allows policyholders to tie accumulation values to a stock market index. Indexed universal life insurance policies typically contain a minimum guaranteed fixed interest rate component along with the indexed account option. Indexed policies give policyholders the security of fixed universal life insurance with the growth potential of a variable policy linked to indexed returns.  There is no minimum age requirement to begin collecting monies, no mandatory distribution age and monies may be collected on a completely tax-free basis.

Benefits of Indexed Universal Life (IUL) Safety Receive a contractual guarantee that you’ll never lose your principal.  Liquidity You may access your funds after the first year with no penalties. Flexibility You may choose from a ‘Fixed-Rate’ of return or a “Participating Plan’ rate.Taxes An IUL cannot be taxed on distribution and there is no tax on the growth.  There are no taxes for your heirs when you pass away. Contributions There is no maximum on the amount of contributions. Death Benefits A death benefit is provided on all plans.

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