"By Choosing an Indexed Universal Life Insurance Policy, You Can Take Advantage of..."

• An index-linked interest crediting approach that includes a guaranteed minimum interest rate while providing the potential for more growth than most traditional life insurance
  
  
• The options of taking policy loans and withdrawals (subject to policy spefications)   For Millionaires
  
  
• Flexible premium payments and death benefit options

The major difference between traditional universal life and indexed universal life insurance is the way interest is credited. While account value of a traditional UL policy is credited with interest based on a rate periodically declared by the insurer, an indexed universal life policy earns interest based in part on the movement of a stock market index, excluding dividends.

An indexed life product has the potential for greater interest crediting than the more traditional products. Consequently, this could mean more cash value and more retirement income.

An indexed universal life product also provides the potential for reward with a guard against market risk.

While indexed UL policies credit interest based on the upward movement of an index, these products are not securities. When you buy an indexed universal life product, you own an insurance contract. You are not buying shares of any stock or index.

For more details about how an indexed poicy works for you, please complete the quote request form. Click here.

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