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Permanent life


  • Flexibility
  • Security
  • Tax-deferred growth
  • Useful for policy owners who expect their needs to change over time
  • Policy can be modified (within certain guidelines) by changing the death benefit amount or premium payments
  • Tax-free capital gains

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Indexed Universal Life (IUL)

  • Flexibility
  • Higher potential for returns
  • Protection from fluctuation in market indices
  • Similar flexibility as with UL policies but with returns credited based on a specific market index
  • Higher return potential and tax-deferred growth
  • Guaranteed minimum crediting rates protect clients even when market indexes decrease

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Whole Life

  • Consistent premiums
  • Guaranteed cash value accumulation
  • Dividends
  • For clients whose needs do not diminish over time
  • Guaranteed growth non-taxable dividends

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