Indexed Universal Life (IUL) insurance

The combination of death and living benefits can make IUL an attractive option and can provide a more secure financial future with:

• Death benefit protection

• Tax advantages: income tax-free death benefit, tax-deferred

accumulation, tax-free income, tax-free transfers

• Cash value accumulation with upside growth potential

• Floor that offers downside protection

• Living benefits including chronic, critical and terminal illness riders