Indexed Universal Life
Take the worry out of life with indexed universal life insurance
Balanced Approach
Experience benefits of the market while limiting risks.
Set For Life
Permanent insurance that pays interest based on the movements of the market.
Tailored Coverage
Premiums and death benefits are flexible for duration of policy.
Answers to some of the most popular topics regarding Indexed Universal Life insurance.
Points to consider
Can I Realize Gains?
IUL often sees significant gains in cash value, especially when compared to universal life or whole life insurance.
Other Perks
IUL policies often carry riders, such as guaranteed premiums and provisions for long‐term care and critical illness, often making such policies more attractive.
Tax Advantages
Cash value accumulates tax‐deferred and loans against the policy are often tax free.
Can Gains Be Limited?
Cash value increases are limited by the insurer and if the index returns gains greater than the crediting rate cap, returns are calculated based on the cap.
What Is The Rate Of Return?
Returns can often be lower than policyholders are comfortable with and policyholders don't understand the costs that eliminate profits.
Fees And Costs
Fees are usually front loaded and built into complex calculations, making them hard to understand.
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Is Indexed Universal Life insurance a fit for you?
Our Location
Murrysville, PA 15668, USA
(724) 321-0588
HOURS OF OPERATION
Mon-Sun: By Appointment Only
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