Today’s Safe Refuge for Lofty Returns and Matchless Tax Advantages

Are you looking for the flexibility of adjustable premiums and face amount, with the opportunity to increase cash value? What if you could do this without downside risk of investing in the market? It’s not a dream; it’s a reality with Indexed Universal Life Insurance.

What is Indexed Universal Life? 
IUL policies offer tax-deferred cash accumulation for retirement while maintaining a death benefit. It is perfect for those individuals that need permanent life insurance protection but wish to take advantage of possible cash accumulation. Indexed Universal Life works great for key-man insurance for business owners, estate-planning vehicles, premium financing, and retirement income.

How Can They Do That? 
A portion of the paid premium goes to annual renewable term insurance based on the life of the insured. All fees are paid and the remaining premium goes into the cash value of the policy. The cash value is credited with interest based on increases in the equity index. However, it is not directly invested in the stock market. Most IULs offer a guaranteed minimum fixed interest rate and a choice of indexes. The index gains are credited back to the policy either on a monthly or annual basis. For example, if the index gained 5% from January 2010 to January 2011, the 5% is multiplied by the cash value. The resulting interest is added to the cash value. If the index goes down instead of up, no interest is credited to the cash value, but their account value does not go down.

The Perks!

• Minimize Risk: The policy is not directly invested in the stock market, thus reducing risk 
• Death Benefit: Permanent coverage 
• Low Cost: The premiums are low 
• Cash Value Accumulation: Cash value credited to the policy grows tax deferred. The cash value can pay the insurance premiums, which over time may allow the policy-holder to stop paying premiums out of pocket.