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BENEFITS OF INDEX UNIVERSAL LIFE (IUL) INSURANCE

Living Benefits: IUL policies include the Accelerated Benefit Riders (ABRs) option, which can allow you to access a partial amount or up to 80% of your death benefit while living, to pay for your medical or living expense.

Tax Advantage: You can access to the IUL policy cash value through a loan from the insurance company using the policy as collateral without paying any taxes.

Flexibility: Offers various premium payment schedules and potential for cash value access in the future.

Cash Access: IUL provides flexibility in accessing funds without penalties, offering more control over the investment. Conversely, 401(k) plans impose restrictions and penalties for accessing funds before age 59½, limiting early withdrawal options.

Contribution: IUL has no fixed upper limit to annual contributions (premiums).

Death benefit: Life is unpredictable—what if tomorrow never comes? Setting up an IUL insurance policy is not only advantageous for you while you’re alive, but it also ensures financial security for your loved ones when you’re no longer with them.