Lifelong Protection For Your Family

Indexed Universal Life Insurance is designed to provide life insurance coverage you’ll never outlive. As long as certain premium and cash value requirements are met, your loved ones are guaranteed to receive a tax-free death benefit.

Tax-Advantaged Accumulation

Increase cash value through fixed account growth or through index options that credit you based on the performance of popular market indexes, up to a maximum. Growth is generally tax-free

Zero Downside Risk

If an index is down, the index option to which it's tracked will never go below 0%—meaning you’ll avoid all market-based losses.

Liquidity During Your Working Years

Access your policy’s available cash value any time via tax-free policy loans and withdrawals. Loans and withdrawals affect long-term policy performance.

Retirement Income Options

Activate the Lifetime Income option for a monthly income that lasts as long as you live. Or tap your policy’s cash value for supplemental retirement income as needed.

Market-Based Growth
Without Market Risk

Your policy’s available cash value as well as a portion of your new premium can be allocated to your IUL’s index options. These options are tied to the performance of popular market indexes, without any actual market exposure.

Built-In Protection Against
Market Corrections

IUL index options feature a 0% minimum crediting rate, or floor, that protects you from market-based loss. Because index options can only step up, they reduce the impact of market volatility over time.

A Financial Cushion In Your
Working Years

Access your policy’s available cash value anytime through loans and withdrawals, which are generally tax-free. This can provide financial protection for life’s unexpected emergencies and opportunities with some important considerations.

Tax Free Money

As long as the policy is in force, loans are tax-free and withdrawals are tax-free up to what’s known as your basis—the total of premiums paid, minus any outstanding loans and prior withdrawals.

Fast, Flexible, And Creditor Free

Loans and withdrawals can be used for any purpose, and the money can be accessed quickly with no lenders or credit checks involved.

Attractive Loan Terms

Fixed account loans feature low interest rates, while variable loans allow you to remain allocated to index options.