Where it can fit.
- Long-term death-benefit needs
- Clients who value premium flexibility
- Potential cash-value accumulation within a permanent policy
Product 01 · One Standard Life
Indexed Universal Life
Permanent protection with flexible funding and index-linked crediting potential.
Run the educational calculatorTHE PLAIN-LANGUAGE VERSION
What it is.
Indexed universal life is permanent life insurance. Part of the premium supports insurance costs and policy charges; the remaining value may earn interest based in part on an external index, subject to the policy's floor, cap, participation rate, spread, and other terms. It is not a direct investment in the index.
The tradeoffs.
- More moving parts than term or whole life
- Non-guaranteed values depend on crediting and charges
- Requires disciplined funding and ongoing review
The next honest step
Model the structure. Then qualify the client.
The planning tool will not choose a carrier or promise a rate. It will help you see which inputs move the decision before you submit health and financial information for a current comparison.
Open the IUL tool