• Upside potential of an index account option
  • Permanent coverage and flexible premiums
  • Guaranteed minimum interest rate

The Need
Jon and Suzy are a newly married couple in their early thirties. Suzy is pregnant with their first child and they just recently bought a new home. They both realize their need for life insurance, but don't know what kind would best fit their needs. They want lifetime coverage with flexibility that will keep pace with their anticipated lifestyle changes. Jon and Suzy have long-term goals, such as funding their child's college education. So, they are interested in a policy that offers the potential for greater cash value accumulation when compared to traditional life insurance policies but they want minimum interest rate guarantees*.

The Solution
After meeting with their professional life insurance agent, Jon and Suzy agreed that an index universal life (IUL) policy best fit their needs. It provides the insurance coverage to help continue their standard of living, or fund their child's education if something were to happen, with options to change death benefit amounts or adjust premium payment schedules. The IUL also addresses their cash value accumulation concerns.

Index Universal Life and You
This is just one example of how index universal life insurance can work for you. Your life insurance agent will be able to discuss what product would work best in your unique situation. Life insurance is one of the most important decisions you will ever make. Contact a financial professional today!

* Any guarantees associated with the policy are based on the claims paying ability of the issuing insurance company.