Index Universal Life Insurance
Index Universal Insurance
Index insurance is a relatively new but innovative approach to insurance provision that pays out benefits on the basis of a predetermined index (e.g. rainfall level) for loss of assets and investments, primarily working capital, resulting from weather and catastrophic events.
IUL: Protection + Growth
Build wealth, protect your future, and leave a lasting legacy. With tax-deferred growth, downside protection, and flexible options, Index Universal Life insurance works as hard as you do.
Two IULs. One Goal: Your Clients’ Success.
Choose from two flexible IUL options—tailored to fit different needs, built to deliver lasting value.
Direct & Clear:
Indexed Universal Life (IUL): Flexible coverage + cash value growth potential. Protect your future while building wealth.
Satisfaction Guaranteed
How Indexed Universal Life Insurance Works
Many companies offer competitively priced IUL policies that provide both protection and growth potential. Along with a death benefit, these policies can build cash value, accessible through policy loans and withdrawals.
Interest is credited either at a fixed rate or based on the performance of an index. While not invested directly in the market, credited interest reflects index performance. Each policy includes a percentage floor to protect against market loss, and many include a cap that limits maximum growth.
No matter your needs, we’ve got you covered
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Curious About IUL?
Whether you’re exploring an IUL for protection and growth, or want clarity on your current policy, we’ve got the answers to help you make confident decisions.
Permanent Coverage:
Like other forms of permanent life insurance, IUL provides lifelong coverage as long as premiums are paid.
Work with a licensed AIBG advisor to understand the details of IUL policies and determine if they fit your financial goals and risk tolerance.
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