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Indexed Universal Life (IUL) Insurance

Indexed universal life insurance is a permanent life insurance that gives the policy holder the opportunity to allocate cash value amounts to either a fixed account or an equity index account.  This policy is seen as a "hybrid" policy and usually not very costly.  It is safer than an average variable universal life insurance policy.


Indexed policies offer a variety of popular indexes to choose from, such as the S&P 500 and the Nasdaq 100.  Indexed policies allow policy holders to decide the percentage of their funds that they wish to allocate to fixed and indexed portions. Also, these types of universal insurance policies typically guarantee the principal amount in the indexed portion, but cap the maximum return that a policy holder can receive in said account.



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** Some of the Information on this site has been derived from different resources such as the National Financial Planning Association, Securities and Exchange and  Commission, Department of Insurance and Investopedia

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