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Index Universal Life
Indexed Universal Life (IUL) is permanent coverage with flexible premiums and cash value linked to a market index (S & P 500).
Basic Nature
Permanent Life Coverage
Cash Value Account
Premiums=Cash + Fees
Growth vs. Risk
Cash= Index Valuation
Capped Stop Loss
Tax-Deferred Growth
Flexible Use
Adjustable Premiums
Cash Premium Pay
Death Benefit=No Tax (Heirs)
The Walk-Through
- Free Consultation
- Investment Strategy
- Carrier Comparison
- Policy Selection
- Collect Client Details
- Submit Completed Application
- Carrier Underwriters Review
- Policy Approved Quickly, or
- Policy Referred to Medical Exam, or
- Application Referred for Review, or
- Underwriter Rejection
