Indexed Universal Life Insurance

Indexed universal life offers protection plus market-linked growth potential

Indexed universal life insurance (IUL) can help your clients secure their goals with guaranteed protection, plus market-linked cash value growth potential they can access during their lifetime.

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Why offer indexed universal life insurance?

Your clients who want permanent protection plus growth potential will enjoy these benefits:

Coverage that lasts a lifetime

Guaranteed death benefit coverage can protect clients’ loved ones for the long term.

Flexible premium options

Premium choices are offered for a variety of protection scenarios.

Cash value potential

Index-linked cash value growth potential can be accessed during their lifetime to cover planned or unexpected expenses.

Extras for additional flexibility

Optional and built-in features give them more choices to protect their goals now and down the road.

See how an IUL works

Look below for a helpful guide to how an IUL works and use our Indexed Universal Life 101 flyer to help your clients understand it, too.

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A graphic showing how an indexed universal life insurance policy works.

A husband and wife using a table to review information about indexed universal life insurance.

Consider indexed universal life for a client who:

Long-term protection and death benefit coverage needs
A moderate risk profile and wants cash value growth potential
A willingness to pay flexible premiums in more complex case designs
A desire to access extras like chronic illness coverage

Recommend our IUL when your clients want protection plus cash value

Protective Indexed Choice℠ UL can protect your clients’ goals while offering flexibility to adapt to life’s changes – including the opportunity to grow and access cash value that’s linked to market performance.

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