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  • LIMS Home
  • About Us
  • Products
    • Life Insurance >
      • New Living Benefits
      • Term Insurance
      • Guaranteed Universal Life
      • Indexed Universal Life
      • Single Premium Legacy Life with ROP
      • Final Expense
    • Annuities >
      • MYGA
      • Fixed Indexed Annuity
      • Retirement Income >
        • MYGA with Lifetime Income Rider
        • FIAs with Lifetime Income Rider
        • IUL Tax Free Retirement Income
    • Hybrid LTC
  • Carriers
    • Carrier Contests
  • Sales Suite
    • Annuities—Info & Rates
    • Your MoneyGuard Resource
    • Wealth Transfer
    • Protecting Assets from LTC Expenses
    • Marketing Resources >
      • LIAM 2022
      • Breast Cancer Awareness
      • Brainsharks
      • Videos
      • Marketing Materials—Life/Annuity
      • LIMS Marketing
  • Broker Tools
    • Plum Life
    • Secure File Upload
    • Quote Engine
    • LIMS Deep Dive
    • Uncovering Client Needs
    • Forms
    • Underwriting Resources
    • Calculators
    • CE / AML / E&O / NON-Res LC
  • Consumer Resources
    • Looking for Life Insurance
    • My LIMS Policy

Indexed Universal Life
A 21st Century Product for a 21st Century Life


Growth

Tax-Advantages

Flexibility

Indexed universal life has potential for healthy gains in cash value that can be significantly larger than those possible with many other insurance products including traditional UL and Whole Life.

Policyholders get the benefit of a crediting floor, typically 0% or 1% so the existing cash value is protected from losses in a down market segment.
The cash value accumulates tax-deferred and the death benefit is tax-free for beneficiaries.  Loans made against the policy are also tax-free in many cases.  Premiums are paid with after-tax dollars, so partial and full withdrawals (up to the amount of premiums paid) are tax-free too!
One of the key benefits to the IUL is its flexibility.  This allows the product to be tailor made to fit a vast number of financial, family & business planning needs.  Premiums, benefits & riders can be structured to meet a clients needs for a wide range of scenarios.
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