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Indexed Universal Life Insurance

Indexed universal life (IUL) insurance offers an attractive story to clients. It begins by helping them protect their livelihoods with a death benefit. Then it builds by helping them accumulate a cash value for later on. It offers the flexibility and guarantees of traditional UL with greater growth potential.

  • Growth in policy values is linked to stock market index performance without direct market participation.
  • Values are protected against index loss with a guaranteed minimum rate.
  • Asset and tax diversification within a portfolio is increased.

Choose from these products:

  • Principal Indexed Universal Life Accumulation IISM: Offers long-term growth and income. Ideal for ages 35-55.
  • Principal Indexed Universal Life Flex IISM: Offers flexible coverage with moderate cash value in years 15-30. Ideal for ages 35-65.

Some things clients should consider:

  • In exchange for the death benefit, life insurance products charge fees such as mortality and expense risk charges and surrender fees.
  • IUL insurance can have possible limits on returns.​​​​​​​


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