Life insurance through work usually ends when you retire, switch locals or leave the job. An IUL is yours for life, protects your family, and builds cash value you can use.
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Permanent protection that stays with you after you retire or change jobs.
Credited based on an index like the S&P 500, without your money being in the market.
Borrow from your cash value later to add to your pension and annuity.
A death benefit your spouse and kids generally receive free of income tax.
Group life is a great perk. It just isn't built to last, or to be enough on its own.
Your cash value earns interest based on how an index like the S&P 500 performs, up to a cap. In a down year, the index credit is never below 0%, so market losses don't come out of your cash value. Your money is never invested directly in the market.
Illustration only. Not actual returns. Caps and policy charges apply.
Borrow from your cash value when the work isn't there.
Living benefit riders can pay out early if a serious illness hits.
Your coverage goes wherever you go. Nobody can take it away.
Flexible premiums you can adjust, within limits, as work and life change.
Choose a slot that works around your shifts. It takes about a minute.
We go over your family, your pension and what your coverage at work really covers.
Get a clear picture of what an IUL could do for you. No pressure, no obligation.
No. Your cash value is credited based on how an index like the S&P 500 performs, but your money is never invested in the market directly. That's why a down year doesn't take your cash value down with it.
No. An IUL is your own policy and sits alongside whatever you have through work. When the work coverage ends, yours keeps going.
It depends on your age, health and how much coverage you want. Premiums are flexible, and on the call we'll show you options that fit your budget.
Yes. Once your policy has built cash value, you can borrow against it with a policy loan, for a strike, a layoff, or to add to retirement income.
A relaxed conversation about your family, your work coverage and your retirement plans. If an IUL makes sense, we show you how it would work. If it doesn't, we'll tell you.
Book a free call and see how an IUL can protect your family and add to your retirement.
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