Fixed Indexed Universal Life

What is Fixed Indexed Universal Life?

Many consumers purchased the popular fixed indexed universal life than traditional Whole Life and Term Life because of these great features:
  • Permanent death benefit protection for your love ones, if properly funded.
  • Death benefit increases every time you made premium payment and when cash value goes up over the years: $500k, $507k, $513k, etc. 
  • Beneficiaries will inherited more income tax-free death benefit than level death benefit of Term Life product.  
  • Flexible insurance premiums.
  • Combination of death benefit and savings in cash value
  • Tax-deferred growth.
  • Cash value growth potential.
  • Multiple index crediting strategies to choose in addition to basic interest subaccount.
  • Protection from market losses.
  • Tax-free withdrawals and loans.
  • Lower premium than traditional Whole Life products
  • If properly funded, FIUL will have permanent death benefit unlike Term Life that provides coverage only for a specific period of time.   
People using FIUL as key person insurance for business owners, premium financing plans or estate planning purpose.  Fixed indexed universal life gives policy owners more flexibility, choices, and diversification.  Unlike the traditional universal life product which only has basic interest rate option or risky variable universal life policies , fixed Indexed universal life offers variety of index-linked options to grow money tax-deferred without losses due to market volatility. In addition to basic interest rate option available, insurance companies offer variety of indexes to choose from including the most popular S&P 500 and Nasdaq 100.  Some insurance companies have bonused index allocations and index locked-in features to enhance growth opportunity of cash accumulation value.  Others offer additional protection benefit to you while you are living if you experience a qualifying terminal, chronic, critical illness or critical injury.  You and your savings are protected in case you become seriously ill.  The primary purpose of life insurance was designed as wealth preservation and family protection.  In some instances, fixed indexed universal life may be use as an alternative tool to supplement retirement income or college funding purpose.  After you have max out your 401(k) and IRAs, overfunding fixed indexed universal life can be use later as an alternative to supplement your retirement income.  When the policy has sufficient cash value, you may request tax-free withdrawals or loans to supplement your retirement income, help pay for college or other unexpected expenses. Using life insurance to help offset your investment losses or create a large gifts for your favorite charities.  The fixed indexed universal life product has the increasing death benefit option available.  The death benefit in the FIUL equals the face amount of the insurance policy plus the growth of the funds in the cash value account. This is paid tax-free to the beneficiaries.  The death benefit in the term policy includes only the original face amount and premium can be very high after the term is expired.  Every insurance companies have very unique features and optional benefit riders built into their fixed indexed universal life products.  We have wide selections of fixed indexed universal life products from many top rated insurance companies in the world.  We can help you find the best fixed indexed universal life product that will meet your needs.  Call us to for a FREE consultation and a side-by-side comparison.     
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