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Life Insurance Protection
Help create financial protection for the people you love.
INDEXED UNIVERSAL LIFE
Protect Today.
Build for Tomorrow.
Indexed Universal Life insurance may provide permanent life insurance protection while also offering cash-value accumulation potential that can support longer-term financial goals.
Personalized guidance. No obligation to purchase.HOW AN IUL WORKS
One Policy. Multiple
Financial Objectives.
Protection comes first. Other features may support your goals when a policy is appropriately designed, funded and maintained.
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Cash Value Potential
Build policy value over time when appropriately funded and maintained.
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Index-Linked Crediting
Interest may be credited using the performance of a selected market index, subject to policy terms.
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Potential Future Access
Available cash value may be accessible through withdrawals or policy loans, subject to policy provisions.
An IUL is insurance, not a direct investment in an index. Caps, participation rates, crediting methods, insurance charges and funding affect policy values. Withdrawals and loans reduce cash value and death benefits; loans accrue interest and can cause lapse and tax consequences.
UNDERSTANDING YOUR OPTIONS
What Is Indexed
Universal Life Insurance?
Indexed Universal Life insurance, commonly called an IUL, combines permanent life insurance protection with the potential to accumulate cash value.
Interest credited to an indexed account is generally determined using a selected market index, subject to caps, participation rates, floors, charges, crediting methods and other policy limitations. You are not investing directly in the stock market.
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Protection
Permanent life insurance provides a death benefit as long as policy requirements are met.
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Potential Accumulation
A portion of policy value may receive interest based on an index-crediting strategy.
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Potential Access
Policyowners may access available cash value through withdrawals or policy loans, subject to policy provisions.
An IUL is an insurance product, not a direct investment in a stock-market index. Performance is affected by insurance costs, fees, funding levels and other policy provisions.
WHO IS THIS FOR?
An IUL May Be Worth
Exploring If You Are…
An IUL is not appropriate for everyone. Your needs, budget and long-term priorities guide the conversation.
Building long-term wealth
Considering insurance within a broader financial strategy.
Planning for retirement
Exploring long-term goals with realistic policy assumptions.
Protecting your family
Putting the people who depend on you first.
Creating a legacy
Preparing resources for the next generation.
Looking beyond traditional retirement accounts
Evaluating additional strategies alongside existing savings.
Interested in permanent life insurance
Seeking protection subject to ongoing policy requirements.
YOUR NEXT CHAPTER
From Questions to Policy
Book Your Appointment
Choose a time to meet with a licensed insurance professional.
Review Your Goals
Discuss coverage needs, financial goals, budget, and whether an IUL may be appropriate.
Review Your Personalized Illustration
If appropriate, review a carrier-generated illustration before deciding whether to apply.
Insurance Disclosure
GE Insurance Agency provides information regarding insurance products offered through licensed insurance professionals. Insurance products are subject to eligibility, underwriting requirements, policy provisions and availability within the applicant’s state.
Indexed Universal Life insurance includes insurance costs and other policy charges. Index performance does not represent direct investment in an index or securities market. Illustrations contain both guaranteed and non-guaranteed elements, and actual policy performance may differ from illustrated values.
Withdrawals and policy loans reduce available cash value and death benefits and may cause a policy to lapse. Policy loans generally accrue interest. A lapse or surrender of a policy with an outstanding loan may result in tax consequences.
GE Insurance Agency does not provide individualized legal or tax advice. Consumers should consult qualified legal, tax and financial professionals regarding their individual circumstances.