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Indexed Universal Life
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Indexed Universal Life

Equity-indexed universal life insurance is permanent life insurance with a cash value tied to the equity markets. It offers all the benefits of universal life with accumulation values tied to the S&P 500? Index. With equity-indexed universal life, you can reap the rewards of stock market type gains, but you're also protected in case of stock market loses with our minimum guaranteed interest rates.

It's also flexible. You can vary the amount of premium you pay and also change the death benefit while the policy is in force.

What is a stock market index?

A stock market index is a standardized form of measuring the growth of dollars in the stock market. The SP 5002 is a widely recognized benchmark of stock market performance. It represents approximately 70% of all U.S. equity market capitalization, with stocks from the New York Stock Exchange, the American Stock Exchange and the NASDAQ National Market System.

How does averaging work?
 
  • Each premium payment you make begins a 12-month index period
  • Each month in this premium's 12-month index period, normal insurance coast, such as expense charges, policy fees and premium charges are deducted from the policy's accumulation value.
  • Each month interest is credited to your accumulation value at a 2-3 % annual rate (the guaranteed Rate).
  • At the end of each month, the closing S&P 500 index is recorded. At the end of the 12 month index period, these closing rates are averaged. The S&P 500 index at the beginning of the period is subtracted from the average S&P 500 index. The difference is divided by the beginning S&P 500 index. This is your percentage gain during the period.
  • The gain is multiplied by the index factor
  • The guaranteed interest rate (2-3%) is subtracted from the result. This percentage will be applied to the average account value during the index period to calculate the bonus. The bonus can never be negative.
   
 
 
 
 
 
 
 
 
 

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A licensed life insurance agent may call you for follow up on your quote and or application. Benefits will be adjusted for misstatements of age or sex. Rates may increase or decrease during the underwriting process. Answering the questions on this form will not result in a determination of your eligibility for Mortgage life and Disability Insurance coverage. Company and product availability varies by state.

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