Insurance Solutions

WHAT IS INDEXED UNIVERSAL LIFE INSURANCE?

IUL, or Indexed Universal Life insurance, is a type of permanent life insurance that provides lifelong coverage. It offers cash value growth while you are still alive, along with protection and a legacy for your loved ones when you pass away. The cash value grows based on the performance of a stock or bond market index, such as the S&P 500, but it is not directly invested in the market. You get the benefit of the index’s performance with protection from market losses.

An IUL can offer tax-deferred growth and potential tax-free withdrawals in retirement, making it an attractive option for those who have already maxed out other retirement savings accounts. The combination of lifelong protection, growth potential, and downside protection makes an IUL a valuable financial tool.

LIVING BENEFITS

Coverage You Can Use While You're Still Living

Life can be unpredictable — but your financial security doesn't have to be. Living Benefits Insurance gives you access to part of your life insurance while you're still alive, if you're faced with a serious illness or health condition.

That means you don't have to wait until after you're gone for your policy to help your family. With living benefits, you can use your coverage when you need it most — for medical bills, home care, lost income, or anything else life throws your way.

TERM LIFE

We can't always see what's coming — but you can plan ahead. Term life insurance offers affordable, straightforward protection for your loved ones during life's most important years.

It covers you for a set period — typically 10, 15, 20 up to 35 years — and provides a financial safety net if the unexpected happens. Compared to long-term or permanent policies, term life is often more budget-friendly, making it a smart choice for starting families, new homeowners, or anyone wanting strong coverage without the higher cost.