We Score & Correct Life Policies
What if Your Life Policy Has a Simple Mistake with a 3 Minute Fix That Can Add ++$1,000,000 To Your Cash Value?
With 700+ IUL Policies corrected Every Month Week, we’re proven experts at getting them to perform, at any company:
What is Indexed Universal Life?
Provided by an IUL.org Score Participant
Corebridge Financial, a Publicly Traded Company.
Research & Brochures
Provided by an IUL.org Score Participant:
Corebridge Financial, a Publicly Traded Company.
What actual IUL Score Recipients are Saying:
“I love [Agent}}!! They went above and beyond to explain the full package that better fits with me and my family. Whatever you don’t understand he’s always a phone call away. The best customer service that I’ve had in a long time.”
“I had responded to a social media video, and within 24 hours, I had an agent review my IUL! My agent educated me on the different types of life insurance policies and got my policy fixed! I have such peace of mind knowing that my policy will actually allow me to retire instead of implode”
“They are caring, informative and patient with explaining what, if anything, I was unsure about. We were able to come up with options designed to meet my needs which made my decision easier. I highly recommend him! He knows what he’s doing and he cares!”
Top 10 FAQs
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An Indexed Universal Life (IUL) policy is a type of permanent life insurance that offers a death benefit and a cash value component. It allows policyholders to allocate premiums to either a fixed account or an indexed account linked to a market index. Upside potential with downside risk all with a death benefit.
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Unlike traditional whole life insurance, IUL policies offer potential for much higher returns through indexing to a portfolio of market accounts. They also provide flexibility in premium payments and the potential to adjust death benefits and cash value accumulation over time.
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The cash value in an IUL policy accumulates based on a fixed account plus the performance of the chosen market index, with a floor to protect against losses.
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Some benefits of an IUL policy include potential for higher returns compared to traditional whole life policies, flexibility in premium payments, tax-deferred growth of cash value, and the ability to access cash value through policy loans or withdrawals.
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Yes, there are risks associated with IUL policies. Market downturns can limit the growth potential of the cash value, and policyholders may face caps and participation rates that affect returns. Additionally, policy loans and withdrawals can reduce the death benefit if not repaid.
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Yes, IUL policies can often be customized to fit individual needs. Policyholders can typically adjust death benefits, premium payments, and allocation percentages between the fixed and indexed accounts to align with their financial goals.
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Generally, the cash value growth in an IUL policy is tax-deferred, meaning it's not subject to income tax until withdrawn. However, policyholders should consult with a tax advisor regarding their specific situation as tax laws may vary.
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Yes, some people use IUL policies as part of their retirement planning strategy. The cash value accumulation and potential for tax-free withdrawals or policy loans can provide income during retirement.
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Yes, policyholders can typically surrender or cancel their IUL policy at any time. However, there may be surrender charges and tax implications, so it's essential to review the policy terms and consult with a financial advisor before making a decision.
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IUL policies may be suitable for individuals looking for life insurance coverage with the potential for higher returns and flexibility in premium payments. They may also appeal to those seeking tax-deferred cash value growth and supplemental retirement income. However, it's essential to evaluate individual financial goals and risk tolerance before purchasing an IUL policy.
