Indexed Universal Life Insurance
Licensed in 40 States
When the index goes up, your cash value is credited interest, up to a cap. When the index drops, your cash value is not credited a negative return. Policy charges still apply.
Not offered in California, Iowa, or Minnesota.
Frequently Asked Questions
What should I review before choosing IUL?
Review the policy and its illustration, including charges, limits, and conditions for keeping coverage active. Charges reduce cash value. An illustration shows possible outcomes, not a promise of future results. I can walk you through those details.
What happens if I stop funding the policy?
Existing cash value may support coverage for a time, subject to the policy terms and ongoing deductions. Coverage can lapse if the value is no longer enough to keep it active. Ask the carrier for an updated illustration before changing your funding plan.
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