Indexed Universal Life Insurance

Indexed universal life offers protection plus market-linked growth potential

Indexed universal life insurance (IUL) can help customers secure their goals with guaranteed protection, plus market-linked cash value growth potential they can access during their lifetime.

Get started

Why offer indexed universal life insurance?

Customers who want permanent protection plus growth potential will enjoy these benefits:

Coverage that lasts a lifetime

Guaranteed death benefit coverage can protect customers’ loved ones for the long term.

Flexible premium options

Premium choices are offered for a variety of protection scenarios.

Cash value potential

Index-linked cash value growth potential can be accessed during their lifetime to cover planned or unexpected expenses.

Extras for additional flexibility

Optional and built-in features give them more choices to protect their goals now and down the road.

See how an IUL works

Look below for a helpful guide to how an IUL works and use our Indexed Universal Life 101 flyer to help your customers understand it, too.

A graphic showing how an indexed universal life insurance policy works.

A husband and wife using a table to review information about indexed universal life insurance.

Consider indexed universal life for a customer who has:

Long-term protection and death benefit coverage needs
A moderate risk profile and wants cash value growth potential
A willingness to pay flexible premiums in more complex case designs
A desire to access extras like chronic illness coverage

Recommend our IUL when customers want protection plus cash value

Protective Indexed Choice℠ UL can protect customers’ goals while offering flexibility to adapt to life’s changes – including the opportunity to grow and access cash value that’s linked to market performance.

Learn more