Indexed Universal Life Insurance (IUL)
Indexed universal life combines lifelong coverage with market-linked cash value growth potential. IUL policies allow clients to build value based on the performance of selected indexes, while protecting against market losses. The Stamm Agency helps you compare structures, caps, and guarantees so you can confidently guide clients who want flexibility and upside.
Frequently Asked Questions
-
What is indexed universal life insurance?
IUL is a type of permanent life insurance that ties cash value growth to the performance of a market index, like the S&P 500. It includes downside protection and upside potential within limits.
-
How is IUL different from regular universal life?
While traditional UL earns a set interest rate, IUL credits interest based on market index performance, subject to a cap and floor. This gives clients more opportunity for growth.
-
Who is a good fit for IUL?
IUL is well-suited for clients who want permanent life insurance and are comfortable with market-linked performance, but still want protection against loss.
-
Can the policy be adjusted over time?
Yes. IUL policies allow for flexible premiums and adjustable death benefits, making them adaptable to changing financial goals.
-
What should I watch for with IUL sales?
Make sure clients understand how caps, floors, and fees affect performance. We can help review illustrations and ensure the product is positioned correctly.
Flexible Coverage with Growth Potential
We’ll help you navigate the details, so you can offer IUL options with clarity and confidence.
