Indexed Universal Life is a type of flexible permanent life insurance offering a wide range of flexible attributes. The premium amount, type, and frequency can be designed to meet a client’s specific needs and can be changed throughout the lifetime of the policy. The funding options are also very flexible and can be designed to meet different goals and objectives. The overall crediting rate of the policy is tied to a specific market index, often the S&P 500, and can be changed throughout the lifetime of the policy. There are many options for crediting within a given index which will be presented in the policy illustration.
This product is great for clients looking for the following:
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