Indexed Universal Life Insurance (IUL)

Three Magic Bullets of the IUL

1) Risk free of market volatility
2) Tax deferred growth with Tax Free Retirement Income at retirement
3) Leverage through equity or collateral loans and you set the terms of repayment

Key Features

  • Permanent, lifelong coverage when premiums are kept up to date.
  • Flexible premiums, and possibly a flexible death benefit.
  • Cash value, along with potential growth of that value through an equity index account.
  • Cash value can be partially allocated to a fixed interest option.
  • Minimum interest rate guaranteed, but there may also be a cap on gains, typically around 8% – 12.5%
  • Cash value built up can be used to lower or potentially cover premiums without subtracting from your death benefit.
  • You can choose from several options for earning interest on your account value: one fixed interest option and additional options tied to market indexes. All the options have a guaranteed minimum rate.
  • You will enjoy tax benefits, such as tax-deferred growth potential on your account; insurance benefits which are, generally speaking, not subject to income tax; and some tax-advantaged access to your surrender value.
  • You may withdraw money at any time after year one. These withdrawals may be subject to surrender charges.
  • You may borrow money—any number of loans may be taken from a positive surrender value.
  • You may customize your life insurance policy with a wide range of optional benefits to meet your unique needs.
  • You have a choice of death benefit options—the face amount of your policy or the face amount plus your account value. Death benefits may be taken as a lump sum or periodic payments. You may adjust
    the death benefits.


The term “annuity” refers to an insurance contract issued and distributed by financial institutions with the intention of paying out invested funds in a fixed income stream in the future. Investors invest in or purchase annuities with monthly premiums or lump-sum payments. The holding institution issues a stream of payments in the future for a specified period of time or for the remainder of the annuitant’s life. Annuities are mainly used for retirement purposes and help individuals address the risk of outliving their savings.

Defined benefit pensions and Social Security are two examples of lifetime guaranteed annuities that pay retirees a steady cash flow until death.

Annuities are appropriate financial products for individuals seeking stable, guaranteed retirement income. Because the lump sum put into the annuity is illiquid and subject to withdrawal penalties, it is not recommended for younger individuals or for those with liquidity needs to use this financial product. Annuity holders cannot outlive their income stream, which hedges longevity risk.


Most common rollovers are 401K invested monies to an IRA. Rollovers often occur as a way of making money for a specific purpose, such as immediate income from day trading or for saving on taxes, as with retirement plans. A rollover IRA or IRA rollover is a transfer of funds from a retirement account into a traditional IRA or a Roth IRA. As shown by the following examples, the benefits of rollovers vary among different types of investments.

Key Takeaways of Rollovers

  • A rollover may entail a number of actions but often refers to the transfer of the holdings of one retirement plan to another without having to pay taxes.
  • When a rollover occurs it may mean a person has reinvested funds from a mature security into a new issue of the same or similar security.
  • When a direct rollover occurs in a retirement plan, the funds may be sent directly to the new investment vehicle.

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