Planning today
to protect tomorrow

How indexed universal life insurance works

Indexed universal life (IUL) insurance is designed primarily to provide a tax-free death benefit for your loved ones after you’re gone and help you create a lasting legacy. It also offers the opportunity for tax advantaged growth through multiple indexed interest strategies and a fixed account. Your money does not directly participate in the market and a guaranteed minimum floor rate ensures your crediting rate will never be negative, even during market declines.

Flexible options give you access to your policy’s cash value to use for unexpected emergencies, life events and as a source of supplemental retirement income.¹

• Indexed universal life insurance policies are not stock market investments, do not directly participate in any stock or equity investments, and do not receive dividends or participate in capital gains. Past index performance is no indication of future crediting rates. Also, be aware that interest crediting fluctuations can lead to the need for additional premiums in your policy.
• Be sure to choose a product that meets long-term life insurance needs, especially if personal situations change – for example, marriage, birth of a child or job promotion. Weigh the costs of the policy, and understand that life insurance has fees and charges that vary with sex, health, age and tobacco use.
• Riders that customize a policy to fit individual needs usually carry an additional charge.