Indexed universal life (IUL) insurance policies provide lifetime death benefit protection along with tax-advantaged cash value growth tied to changes in an underlying index. They allow for higher crediting potential than fixed-interest policies, while also protecting clients from negative earnings.
Indexed universal life insurance
A smart choice for your clients
Our product suite
Your business is unique. So are our solutions.
Your Securian Financial team will provide dedicated resources and support you need. We’ll work with you, flexibly and transparently, to develop the most effective path forward for your business and clients.
Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.
Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions such as surrender charges. Policyholders could lose money in these products.
Policy loans and withdrawals may create an adverse tax result in the event of lapse or policy surrender, and will reduce both the surrender value and death benefit. Withdrawals may be subject to taxation within the first fifteen years of the contract. Clients should consult their tax advisor when considering taking a policy loan.
This information is a general discussion of the relevant federal tax laws provided to promote ideas that may benefit a taxpayer. It is not intended for, nor can it be used by any taxpayer for the purpose of avoiding federal tax penalties. Taxpayers should seek the advice of their own advisors regarding any tax and legal issues specific to their situation.
Insurance policy guarantees are subject to the claims-paying ability of the issuing life insurance company.
These materials are for informational and educational purposes only and are not designed, or intended, to be applicable to any person's individual circumstances. It should not be considered investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action. Securian Financial Group, and its affiliates, have a financial interest in the sale of their products.
For financial professional use only. Not for use with the public. This material may not be reproduced in any way where it would be accessible to the general public.