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Indexed universal life insurance allows a policy owner to assign cash value amounts to either a

Fixed account or an equity index account

Indexed universal life insurance (IUL) is a form of universal life insurance that offers a low cost protection with a savings element. By allocating a percentage of monthly premiums to indexes like S&P 500, the policy owner maintains a death benefit and accrues tax-deferred cash value. Furthermore, the interest applied to the cash value is determined by the performance of an equity index or guaranteed fixed rate. IUL owners bear minimum risk due to the fact that their money is not directly invested in the stock market. Most significantly, this policy gives policy holders the flexibility to adjust death benefits and control the amount of risk in the accounts.

Types of Indexed Universal Life Insurance:

Benefits of Indexed Universal Life Insurance:

Questions to Ask Yourself:

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