Coverage / Universal life & IUL

Universal life & IUL

Understand the possibilities. And the trade-offs.

Explore permanent coverage with flexible features, including indexed universal life where appropriate.

Start with the right questions.

• What do you want this coverage or strategy to help accomplish?
• How long will you need it, and what budget can you comfortably maintain?
• What are the costs, limitations and alternatives?

What to understand.

IUL is life insurance, not a direct investment in an index. Illustrated values and index-linked credits are not guaranteed. Caps, participation rates, charges and policy funding affect results. A crediting floor does not prevent policy value from declining due to charges. Insufficient funding can cause a policy to lapse.

Product availability, appointments and eligibility vary by product, state and insurer. A conversation is not an application, approval or guarantee of coverage.