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INDEXED UNIVERSAL LIFE INSURANCE (IUL)
Universal life (UL) insurance comes in many different flavors, from fixed-rate models to variable ones, where you select various equity accounts to invest in. Indexed universal life (IUL) insurance allows the owner to allocate cash value amounts to either a fixed or equity index account. Policies offer a variety of well-known indexes, such as the Nasdaq-100 or the S&P 500.1 IUL insurance policies are more volatile than fixed ULs, but they are less risky than variable UL insurance policies because no money is invested in equity positions.
What if you could get the flexibility of adjustable life insurance premiums and face value and an opportunity to increase cash value—would you go for it? What if you could get this without the inherent downside risk of investing in the equities market?
All of this is possible with an indexed universal life (IUL) insurance policy. These policies aren’t for everyone, so it's important to understand the combination of flexibility and investment growth to make an informed decision if it is a good fit for you.
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