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Index Universal Life

One of the fastest growing markets within the industry

Life Insurance that blends together the right combination of opportunity and protection.  It provides a Guaranteed Death Benefit and the opportunity for increased cash accumulation on a Tax-Deferred basis. Index Universal life gives your clients family protection with the added comfort to help with long term planning needs.


A policy with upside potential….
Index universal life offers many of the same benefits as traditional universal life insurance, with one primary difference—the way interest is credited to the cash value of the policy. Index universal life insurance policies credit interest based partly on the upward movement of a major stock market index, so when the market does well, so do your clients. Over the life of the policy, this could mean more cash value and more supplemental income.


No downside risk....

Index Universal life offers downside protection in a poorly performing market because your clients don’t participate directly in the stock market and the credited interest rate is never less than zero percent. Guaranteed.


Client Profile


If your clients are not only looking for Death Benefit Protection, but also want to accumulate significant cash values as a source of supplemental retirement income.


Are your clients maximizing contributions to qualified retirement plans and still face a possible retirement income shortfall?


A way to supplement healthcare cost in later years


Business owners looking for:

-Key-Person Insurance

-Business Succession Plans

-Buy-Sell Agreements














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