Shopping Cart
Your Cart is Empty
There was an error with PayPalClick here to try again
CelebrateThank you for your business!You should be receiving an order confirmation from Paypal shortly.Exit Shopping Cart

Agile Insurance Strategies

Insurance Risk Management​

Index Universal Life Insurance (IUL)

Indexed universal life insurance policies put a portion of the policyholder’s premium payments toward annual renewable term insurance with the remainder added to the cash value of the policy. On a monthly or annual basis, the cash value is credited with interest based on increases in an equity index. The gains are applied based on a participation rate that’s set by the insurance company, which can be anywhere from 25% to more than 100%. Indexed universal life policies provide greater upside potential, flexibility, and tax-free gains. However, there are caps on returns and no guarantees as to the premium amounts or market returns. In general, these policies are best for those with a large upfront investment who are seeking options for a tax-free retirement.