Indexed Universal Life Insurance (IUL) - Infiniti surance

Comprehensive insurance solutions that not only protect your loved ones but also help you to grow your wealth.

When you need death benefit protection, the right life insurance policy may also help protect against market downturns. Indexed universal life insurance (IUL) offers the growth potential of index-based interest crediting rates and the protection of guaranteed minimum interest crediting rates.

The cash value in an IUL policy can grow significantly based on the performance of a chosen stock market index. This offers higher potential returns compared to traditional whole life insurance policies.

IUL policies come with a guaranteed minimum interest rate, ensuring that your cash value does not decrease during market downturns. This provides a safety net while still allowing for growth opportunities.

The cash value growth in an IUL is tax-deferred, meaning you won’t pay taxes on the gains as long as they remain within the policy. This can significantly enhance your wealth accumulation over time.

IUL policies offer flexibility in premium payments and death benefits, allowing you to adjust your contributions and coverage as your financial needs change over time.

Confused about to the right Indexed Universal Life Insurance plan?

For personalized advice and to find the best Indexed Universal Life Insurance policy tailored to your needs, contact Infinitisurance today. Our experienced advisors are here to help you navigate your options and secure your family’s future.

Benfits of Indexed
Universal Life (IUL) Insurance

Flexibility in Premiums and Benefits

IUL policies offer a high degree of flexibility. You can adjust your premium payments and death benefits over time to suit your changing financial circumstances. This makes it easier to manage your policy in accordance with your current financial situation and goals.

Access to Cash Value

The cash value accumulated in an IUL policy can be accessed through loans or withdrawals. This provides you with a source of funds for emergencies, retirement income, or other financial needs, offering a layer of financial flexibility.

Estate Planning Advantages

IUL policies can be an effective tool for estate planning. The death benefit is generally paid out tax-free to your beneficiaries, providing them with financial security and helping to cover estate taxes and other expenses.

Loan and Withdrawal Options

IUL policies typically allow you to take out loans against the cash value at relatively low interest rates. Withdrawals can also be made, although they may affect the policy’s death benefit and cash value.

Customizable optional riders offer

Many IUL policies offer optional riders that you can add to enhance your coverage. These may include long-term care riders, critical illness riders, and waiver of premium riders, providing additional protection tailored to your needs.

Potential for Non-Guaranteed Dividends

Some IUL policies may offer non-guaranteed dividends based on the insurance company’s financial performance. These dividends can be used to increase your policy’s cash value, reduce premiums, or purchase additional coverage.

Peace of Mind with ROP Term Life Insurance

Choosing a Return of Premium term life insurance policy through Infinitisurance was the best decision we made. The peace of mind knowing our premiums are refundable if we outlive the policy term is invaluable. The team made the entire process seamless and stress-free.

Maria S.

Permanent life Insurance

The application process was remarkably straightforward and efficient. I was particularly impressed with how quickly I received my policy documents. The online portal is user-friendly, allowing me to easily access my account details and update my information. Thanks to Mr John Somers for their quick and excellent customer support.

David R

Indexed Universal life Insurance

What really impressed me was the follow-up from the customer service from Mr. John Somers. He called to ensure I received my documents and understood my policy details. This level of care and attention to detail is rare. I am extremely happy with my decision to choose Infinitisurance and would recommend them to anyone in need of term life insurance."

Stacey

Annuity

One of the best aspects of Infinitisurance is their customer support. Whenever I reached out, they were prompt and helpful. They made me feel like a valued customer. I am very satisfied with my policy and highly recommend Infinitisurance to anyone looking for reliable term life coverage."

Sarah M.

Frequently Asked Questions

How does cash value growth in IUL work?

A: Cash value growth is linked to the performance of a chosen stock market index, allowing for potential growth without direct investment in the market.

Are there risks with IUL?

A: While IUL offers protection against market downturns, it may have caps on the maximum return and participation rates, which can limit the upside potential.

Can I adjust my premiums?

A: Yes, IUL policies offer flexibility in premium payments, allowing you to adjust them based on your financial situation.

What happens if I need to access my cash value?

A: You can borrow against or withdraw from your cash value, but this may reduce the death benefit and the policy's overall value

How is IUL different from traditional whole life insurance?

A: IUL offers the potential for higher returns linked to market performance, whereas traditional whole life insurance provides a guaranteed, fixed rate of return.

Is the death benefit from an IUL policy taxable?

A: No, the death benefit is generally paid out tax-free to your beneficiaries.

How do I choose the right index for my IUL policy?

A: Your financial advisor can help you select an index that aligns with your risk tolerance and financial goals.

What are the fees associated with IUL policies?

A: Fees may include administrative fees, mortality charges, and costs for additional riders or benefits.

Can I convert my IUL policy to another type of insurance?

A: Some IUL policies offer conversion options, but it's best to check with your insurer for specific details.

What is the minimum interest rate guarantee?

A: Most IUL policies have a minimum interest rate guarantee, ensuring that your cash value does not decrease even if the market performs poorly.