The key component to all life insurance is to provide financial security for those loved ones left behind should the unexpected happen. Indexed universal life insurance is no different—it helps families continue so they can send children to school, help pay the mortgage, and to cover life’s daily expenses. It may also help businesses continue, should a key-person die, so the remaining employees may keep working and provide for their families.
What makes indexed universal life different is that it offers your clients the opportunity to earn tax deferred interest on the interest credits linked to the performance of one or more stock market indices.
This feature gives your clients the potential for strong cash value accumulation. Plus, it offers downside protection in a poorly performing market because your clients don’t participate directly in the stock market and the credited interest rate is never less than zero percent. Guaranteed.