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Index Universal Life Insurance

Index Universal Life InsuranceLife insurance is essential for people from all walks of life. Many people purchase life insurance to pay for funeral and other final expenses, but it can also be invaluable for replacing lost income and providing their families with the financial tools they need during what is often a difficult time. The proceeds from life insurance can be used to pay for mortgages, credit card bills, education expenses and other costs of living and replace lost income from a primary wage earner. We offer extensive options for living benefits life insurance, including index universal life insurance plans, to help you better plan for the future you and your family deserve.

Index universal life insurance plans are similar to universal life insurance plans. Universal life insurance is a type of cash-value life insurance that is available in a wide range of forms, including variable rate policies and fixed-rate policies. An index universal life insurance plan is similar, but as the policyholder, you will have the ability to place funds into either an equity index account or a fixed account. You may be able to choose from several different top indexes to meet your needs.

You will be able to choose the percentage of funds that you place into each policy, and your principal investment will generally be guaranteed. However, your rate of return may be capped, which means that you may only earn up to a certain amount of interest. Index universal life insurance plans are considered to be a type of hybrid universal life plan and are often quite affordable. They are also generally considered a safer investment than a variable policy or other types of investments.

If you are interested in learning more about life insurance policies that combine the security of a traditional life insurance policy with the cash value of an investment, we can help. We offer an extensive selection of living benefits life insurance products to meet virtually every financial need. Contact us today to learn more or to create your own side-by-side comparison to find the right index universal life insurance plans for you.