Index UNIVERSAL LIFE

Indexed Universal Life Insurance (IUL) is a permanent life insurance offering investment opportunities. A key benefit of IULs is their flexibility, allowing policyholders to adjust premiums and coverage amounts to meet their needs.

Unlike traditional life insurance policies with fixed premiums, Indexed Universal Life (IUL) insurance allows policyholders to adjust their premium payments based on their financial situation. This flexibility benefits those facing income changes or unexpected expenses, as they can temporarily lower their premium to maintain policy coverage.

The flexibility of Indexed Universal Life (IUL) insurance allows policyholders to allocate their cash value into indexed accounts that track specific stock market indices, like the S&P 500. An IUL can yield higher returns than traditional whole-life insurance policies, which generally offer fixed or minimal interest rates.

Indexed Universal Life (IUL) insurance policies offer flexible options for adjusting premiums, face amounts, and investments, making them an attractive choice for those who want customized coverage.