US Insurance Group

Indexed Universal Life Insurance (IUL)

Flexible Premiums

IULs offer flexibility in premium payments, allowing policyholders to adjust their contributions based on their financial situation.

Cash Value Growth

The cash value of an IUL can grow over time, linked to a stock market index, providing the potential for higher returns compared to traditional whole life policies.

Tax Advantages

The cash value growth is tax-deferred, and policyholders can often access funds through loans or withdrawals without immediate tax consequences.

Life Insurance Protection

IULs provide a death benefit to beneficiaries, ensuring financial security for loved ones in the event of the policyholder’s passing.

Potential for Higher Returns

By linking the cash value growth to a stock market index, IULs can offer the potential for higher returns compared to fixed interest accounts, while still providing a safety net.

Lifelong Coverage

IULs provide permanent life insurance coverage, ensuring a death benefit for beneficiaries no matter when the policyholder passes away.

Frequently Asked Questions

Please reach us at 1us.insurancegroup@gmail.com if you cannot find an answer to your question.

What is Indexed Universal Life Insurance?

Indexed Universal Life Insurance is a type of permanent life insurance that combines a death benefit with a cash value component linked to a stock market index. This allows for potential cash value growth while providing lifelong coverage.

How does the cash value growth work?

The cash value in an IUL grows based on the performance of a selected stock market index, such as the S&P 500. While the cash value can increase with market gains, there is usually a floor that prevents losses during market downturns.

Can I access the cash value in my IUL?

Yes, policyholders can access the cash value through loans or withdrawals. However, it's important to understand that outstanding loans may reduce the death benefit and the cash value, and withdrawals could have tax implications.

What are the advantages of an IUL compared to other life insurance policies?

IULs offer flexible premium payments, potential for higher cash value growth linked to market indices, downside protection against market losses, and tax-deferred growth. They also provide a death benefit to protect your loved ones.