Index Universal Life Insurance | Harvete Enterprise

Index Universal Life Insurance (IUL): Secure Growth with Flexible Protection

What is Index Universal Life Insurance?

Index Universal Life (IUL) Insurance is a type of permanent life insurance that provides both a death benefit for your loved ones and a cash value component that grows based on the performance of a stock market index, such as the S&P 500. It offers flexibility in premium payments and the potential for tax-free income.

Key Benefits of IUL

Lifetime Protection: Unlike term life insurance, IUL offers coverage for your entire life as long as premiums are paid.
Cash Value Growth: Your policy’s cash value accumulates based on a stock market index, with a cap and floor to protect against losses.
Tax Advantages: Enjoy tax-deferred growth and the ability to take tax-free loans from your cash value.
Flexible Premiums & Death Benefit: Adjust your payments and coverage as your financial situation changes.
Market-Linked Potential Without Direct Investment Risk: Benefit from market upswings while being protected from market downturns.

How Does Indexing Work?

Your policy’s cash value is linked to the performance of a market index, but it does not invest directly in the stock market. It features:

Cap Rate: Maximum percentage return applied to your cash value.
Floor Rate: Minimum guaranteed rate (typically 0%) to protect against market losses.
Participation Rate: Percentage of the index gains credited to your policy.

Start Protecting Your Future Today

Index Universal Life Insurance provides a unique combination of growth, protection, and flexibility. Let us help you customize a policy that aligns with your financial goals.