Indexed Universal Life Insurance

Protection With The Potential For Long-Term Growth

Indexed Universal Life (IUL) insurance is a flexible permanent life insurance policy that offers lifetime protection along with the potential to build cash value based on the performance of a market index.

Permanent Coverage | Flexible Premiums | Tax-Advantaged Potential | Dedicated Personal Agent

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✦ PERMANENT LIFE INSURANCE

✦ FLEXIBLE STRUCTURE

✦ MARKET-LINKED POTENTIAL

✦ NATIONWIDE SERVICE

ADVANCED LIFE INSURANCE STRATEGY

What Is Indexed Universal Life (IUL)?

Indexed Universal Life (IUL) is a type of permanent life insurance that provides a death benefit along with a cash value component that may grow over time based in part on the performance of a selected market index.

IUL policies offer flexibility in premium payments and death benefit structure, allowing policyholders to adjust coverage and contributions within policy guidelines.

Key Features Of IUL Policies

IUL policies combine life insurance protection with flexible financial features.

Permanent Coverage

Provides lifetime protection as long as policy requirements are met.

Flexible Premiums

Adjust contributions within policy limits based on your financial situation.

Cash Value Potential

Cash value may grow over time based on index performance, subject to caps, floors, and participation rates.

Downside Protection Features

Policies may include a floor that can help protect against negative index returns (subject to policy terms).

Tax-Advantaged Structure

Cash value grows tax-deferred; loans and withdrawals may be available (subject to policy terms and tax laws).

Living Benefits Options

Some policies include riders that may allow access to benefits in qualifying health situations.

WHO IT MAY FIT

IUL May Be Appropriate If You Want To:

• Maintain permanent life insurance coverage

• Build cash value over time within a life insurance policy

• Have flexibility in premium payments

• Access policy value in the future (subject to policy terms)

• Work with a licensed agent to structure coverage properly

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Important Considerations

• IUL policies are not direct investments in the stock market

• Returns are subject to caps, floors, and participation rates

• Policy performance depends on structure and funding

• Fees and charges apply

• Proper design is critical to long-term performance

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Indexed Universal Life insurance policies are complex products. Guarantees are based on the claims-paying ability of the issuing insurance company. Policy performance is not guaranteed and depends on multiple factors including fees, charges, index performance, and policy design. This is not investment advice.