Clients with a genuine permanent death-benefit need
All SolutionsIndexed Universal Life
FLEXIBLE PERMANENT PROTECTION
NORTHRING / 03
Indexed Universal Life
Insurance
Permanent life insurance with flexible funding and index-linked interest crediting.
Discuss Your OptionsTHE ESSENTIALS
What It Is.
How It Works.
Indexed universal life (IUL) is permanent life insurance with a death benefit and cash-value account. Interest credited to selected indexed strategies is calculated using a market index, subject to the policy’s cap, participation rate, spread, floor, and other terms. The policy does not invest directly in the index.
WHO IT MAY FIT
Designed Around
Real Responsibilities.
People who understand flexible funding requires active monitoring
Long-term planners comfortable with non-guaranteed illustrations
Clients who can fund consistently and tolerate policy complexity
HOW THE POLICY WORKS
Four Parts.
One Clear Picture.
Fund the policy
Premiums first support policy charges and insurance costs; remaining value may earn interest under available crediting strategies.
Select crediting options
Indexed or fixed accounts may be available. Index performance is translated through contract formulas—not received directly.
Review annually
Interest credits, costs, funding, loans, and changing assumptions affect how long the policy can remain in force.
Manage access
Loans and withdrawals can reduce policy values and death benefits and increase lapse risk, especially during lower-crediting years.
POTENTIAL BENEFITS
Where It
Can Help.
- Permanent protection when sufficiently funded
- Flexible premium and death-benefit options within contract limits
- Index-linked interest-crediting potential
- Downside crediting floor may limit negative index credits before policy charges
IMPORTANT TRADEOFFS
What To
Understand.
- —Caps, participation rates, spreads, and charges limit results
- —A 0% crediting floor does not mean the policy cannot lose value after charges
- —Illustrated non-guaranteed values may not occur
- —Underfunding, loans, or rising insurance costs can cause lapse
COMMON PLANNING USES
Built For A
Specific Purpose.
01
Permanent family protection
02
Legacy planning
03
Business continuity needs
04
Supplemental long-term accumulation when suitable
QUESTIONS TO ASK
Know Before
You Decide.
Is IUL invested in the stock market?+
No. The policy credits interest using a formula tied to an index; you do not own the index or its component stocks.
Can the cash value decline?+
Yes. Even when an indexed strategy has a 0% crediting floor, policy charges, withdrawals, and loans can reduce account value.
Are illustrated returns guaranteed?+
No. Illustrations contain guaranteed and non-guaranteed elements. Review both and test lower-crediting assumptions before deciding.
This page provides general education, not individualized tax, legal, investment, or insurance advice. Product features, costs, guarantees, underwriting, and availability vary by carrier and state. Review the actual policy or contract before purchasing.
BOOK WITH JOHNATHAN
Schedule A Private Indexed Universal Life Conversation.
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