The entire process– from presentation of premium projections …to policy issuance– was handled superbly, and you found me real savings.
Get life insurance Quotes now

Indexed Universal Life Insurance – IUL Permanent Insurance

What is Indexed Universal Life Insurance?

Indexed universal life insurance (IUL) is permanent life insurance that gives the potential for strong cash value accumulation. It offers death benefit protection with premium payments that may earn interest and grow the cash values of the policy, based partially on the increases of market indexes. One of the best benefits of indexed universal life insurance is that it offers protection even in a market that is performing poorly.

How is IUL Different from Other Permanent Life Insurance?

There are many different forms of universal life insurance, from the basic fixed-rate policies to variable options. The variable policies allow the policy holder to choose various equity accounts in which he or she can invest.

Indexed universal life insurance is different from other types of universal life insurance in the way that the interest is credited to the policy. IUL offers an option that is linked to the movement of a chosen stock market index over a period of time. With IUL, you don’t participate directly in the stock market, and the interest rate is never less than 0%. Your IUL policy won’t ever have a negative index crediting rate, even in a down market.

With IUL policies, policy holders are able to choose the percentage of their funds that they want to allocate to a fixed account or an equity index account. There is a wide variety of popular indexes to choose from, such as the Nasdaq 100, the S&P 500 and others.

Key Features of an Indexed Universal Life Policy:

  • Flexible options for paying premiums
  • Guaranteed to never have an interest rate that is lower than 0%
  • The cash value inside a IUL policy has growth potential
  • Greater growth potential than traditional universal life policies

Since indexed universal life insurance policies are considered a “hybrid” type of policy, they are usually very affordable and are considered to be safer than the average variable policy. Contact us today to learn more about the indexed universal life insurance option; we can help you find the best policy to suit your lifestyle and your needs.

Latest News

How to Talk About Life Insurance With Your Spouse
talk about life insurance with spouse

Your spouse doesn’t even want to think about you passing away, let alone have to sit down and actually discuss it. It’s never easy to talk about death, especially the death of someone you love. That’s why discussing life insurance with your spouse can be so difficult. But since the … Continue reading How to Talk About Life Insurance With Your Spouse

Read More
Term Life Insurance vs. Whole Life Insurance
term vs life insurance

Deciding which type of life insurance product is right for you can be difficult; regardless of whether you’re considering retaining your current policy or you’re shopping for new coverage, it’s important to note that there are benefits to both term life insurance and whole life insurance. Which is the best … Continue reading Term Life Insurance vs. Whole Life Insurance

Read More
How Family History Affects Your Life Insurance Rates
family-life-insurance

We all know how a good life insurance policy can positively affect your family—providing stability, financial security, peace of mind, etc. But have you ever considered how this relationship works in reverse? It’s true, while life insurance does wonders for your family, your family might have some not-so-desirable effects on … Continue reading How Family History Affects Your Life Insurance Rates

Read More

Intramark Insurance Services

#200 N. Maryland Ave., Suite 301, Glendale, CA 91206

#866-691-0100

#info@lifeinsure.com

Stay Connected

  • Intramark Insurance Services, Inc., Insurance Services, Glendale, CA

  • Intramark Insurance Services, Inc.
Newsletter Signup