Indexed Universal Life Insurance
Indexed universal life (IUL) insurance offers an attractive story to clients. It begins by helping them protect their livelihoods with a death benefit. Then it builds by helping them accumulate a cash value for later on. It offers the flexibility and guarantees of traditional UL with greater growth potential.
- Growth in policy values is linked to stock market index performance without direct market participation.
- Values are protected against index loss with a guaranteed minimum rate.
- Asset and tax diversification within a portfolio is increased.
Choose from these products:
- Principal Indexed Universal Life Accumulation IISM: Offers long-term growth and income. Ideal for ages 35-55.
- Principal Indexed Universal Life Flex IISM: Offers flexible coverage with moderate cash value in years 15-30. Ideal for ages 35-65.
Some things clients should consider:
- In exchange for the death benefit, life insurance products charge fees such as mortality and expense risk charges and surrender fees.
- IUL insurance can have possible limits on returns.
3406581-022024