Understanding Indexed Life Insurance

The major difference between traditional universal life and indexed universal life is the way interest is credited.  While a traditional UL policy generates a fixed interest rate determined by the insurer, an indexed UL policy earns interest based on the movement of a stock market index.  We believe that an indexed life product has the potential for greater interest crediting that the more traditional products.  Consequently, this could mean more cash value and more retirement income, as well as the option of having lower total premiums if you wish to use the policy cash value to support the internal expenses.

Download the “Understanding Indexed Life” agent guide.