WHAT IS INDEX UNIVERSAL LIFE INSURANCE?
Indexed Universal life (IULs) is a type of universal life policy. The universal portion means that premiums are flexible and the components of the life insurance policy can be altered throughout the contract.
Indexed universal life insurance provides death benefit protection and the opportunity to build money inside your policy called cash value. Even if these indexes drop, you are still safe with a guaranteed minimum interest rate.
Money inside your policy grows income tax-deferred in fixed and indexed strategies.
KEY FEATURES
FLEXIBILITY
Flexibility in how you want to pay premiums.
PROTECTION
Death benefit protection.
GROWTH POTENTIAL
Greater growth potential than traditional universal life.
NO NEGATIVE INDEX
Guaranteed not to have a negative index crediting rate even in a down market.
TERM LIFE INSURANCE
WHAT IS TERM LIFE INSURANCE?
Term life insurance is often the most affordable coverage because it offers protection for a specific number of years.
Term insurance is basic, inexpensive and easy to understand. It gives you all the coverage you need and none of that you don’t.
Term insurance comes in two basic varieties: level term and decreasing term.
Guaranteed not to have a negative index crediting rate even in a down market
YOU MAY WANT TO PURCHASE A TERM LIFE INSURANCE POLICY TO:
GET AFFORDABLE PRICES:
Get valuable coverage at an affordable price.
GET EXCELLENT SUPPLEMENTS:
Supplement a permanent policy or work policy.
COVER SPECIFIC FINANCIALS:
Help cover specific financial responsibilities like a mortgage or college expenses.
HAVE FLEXIBILITY:
Flexibility in how you want to pay premiums.
FINAL EXPENSE INSURANCE
WHAT IS FINAL EXPENSE INSURANCE?
Final Expense Insurance is designed to cover the bills that your loved ones will face after your death.
IS FINAL EXPENSE INSURANCE RIGHT FOR ME?
Expenses associated with death such as caskets and embalming, can have a substantial impact on those you love. This is why it is very important to obtain final expenses insurance.
Is fInal expense insurance expensive?
Final Expense Insurance depends on your age. The older you are, the higher your premiums will be. This is because the insurance company takes on more risk when insuring older people, given the fact that they’re statistically closer to death (More Information). If you buy final expense insurance when you’re 45, you’ll pay less each month than if you wait until you’re 65.
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