Is There More Than Just Term Life Insurance?

Life insurance comes in many different shapes and sizes. There is a product to fit most every need your client has. We hear and read a lot about term life insurance. It can be a low-cost, simple way to help your clients manage their financial risks. But in this volatile market, there is another product that your client needs to know about.

A product that has gained substantial traction is the Indexed Universal Life policy, a Fixed Life product that can offer clients the potential for growth and protection from market loss
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Product Features
Flexible death benefit guarantees. Clients have access to a 20-year base policy death benefit guarantee (reduced for issue ages 65 and above) plus the optional Extended Death Benefit Guarantee rider.

A product that offers cash accumulation potential and minimizes the impact of the market loss.
Average of three market indexes. Indexed UL uses an annual interest crediting strategy that employs monthly averaging to help protect the interest credited during periods of market volatility.

Who May Be A Possible Client?

• Someone seeking life insurance that offers guarantees and the potential for growth.
• A person looking for more stable accumulation potential during volatile markets.
• Someone with a need for flexible death benefit options.
• Interested in planning for possible LTC expenses.