Permanent Protection
Provide a death benefit designed to help financially protect the people and responsibilities that matter to you.
Indexed Universal Life Insurance
Permanent protection with potential for cash value growth.
Indexed universal life insurance combines permanent life insurance protection with cash value that may earn interest based in part on the performance of an external market index, subject to the policy's terms.
Coverage highlights
Life insurance designed for more than one financial goal.
An IUL can provide permanent life insurance while offering cash-value accumulation potential and flexibility that may support changing needs over time.
Cash Value Potential
Build cash value over time with interest-crediting potential linked in part to an external market index.
An Index-Linked Floor
A contractual floor can help protect against negative interest credits when the underlying index declines, subject to the policy's terms.
What to Consider
When an IUL may be worth considering.
- You want life insurance protection designed to last beyond a specific term.
- You want the potential to build cash value over time.
- You value flexibility in a permanent life insurance policy.
- You are interested in potential access to policy cash value during your lifetime.
- You want to explore life insurance that may support both protection and longer-term financial goals.
- You're exploring permanent life insurance for certain business protection or planning needs, such as a buy-sell agreement or key person coverage.
WHAT WE CAN HELP YOU COMPARE
Understand the features that can shape an IUL.
Protection
Compare death-benefit options and how the policy is designed to provide long-term life insurance protection.
Cash Value Potential
Understand how cash value may accumulate over time and how policy costs can affect its performance.
Crediting Features
Compare index options, caps, participation rates, floors, and other crediting features that may vary by policy.
Policy Structure
Understand premiums, policy charges, access to cash value, and other features that can affect how the policy performs over time.
No-pressure guidance
Explore whether an IUL fits your long-term goals.
Talk with us about what you want your life insurance to accomplish, and we'll help you understand whether an IUL may be worth considering.