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Indexed Universal Life (IUL) insurance is a type of permanent life insurance that combines a death benefit with a cash value accumulation component. IUL policies offer the opportunity for cash value growth with a floor to protect against market downturns and a cap on potential gains.
IUL insurance provides beneficiaries upon the insured’s death. It also accumulates cash value over time, which grows tax-deferred and can be accessed during the insured’s lifetime through policy loans or withdrawals. The cash value can supplement retirement income or be used for other financial needs.
Working with us provides numerous benefits to ensure your financial security and peace of mind. With access to retirement plans, and investment options, we empower you to build a solid foundation for your financial future. We’re here to support you every step of the way.
Investing in an Indexed Universal Life policy with StarPointe Assurance was one of the best financial decisions I've made. Not only does it provide my family with lifelong protection, but the cash value growth potential gives me peace of mind for the future. Their team made the entire process easy to understand and tailored a plan that fits my needs perfectly!"
I was looking for a flexible life insurance option that also helped build wealth over time. StarPointe Assurance introduced me to IUL, and I couldn’t be happier with the benefits. Now, I have financial security with tax-advantaged growth, and I know my loved ones are protected. Highly recommend their expertise
Indexed Universal Life (IUL) is a type of permanent life insurance that provides a death benefit while allowing cash value accumulation based on stock market index performance.
The cash value in an IUL policy grows based on the performance of a selected stock market index, such as the S&P 500, while offering downside protection with a guaranteed minimum interest rate.
Yes, you can access your cash value through policy loans or withdrawals, often tax-free, making it a flexible financial tool for retirement, emergencies, or other needs.
Unlike whole life insurance, which has a fixed interest rate, IUL policies offer the potential for higher returns by linking cash value growth to market index performance.
No, IUL policies have a floor rate that protects against market downturns, ensuring your cash value does not decrease due to negative market performance.
IUL is ideal for individuals seeking life insurance coverage with flexible premiums, potential for tax-advantaged cash accumulation, and long-term financial planning benefits.
