Indexed Universal Life InsuranceIndexed universal life insurance is a type of permanent life insurance policy that combines the features of universal life insurance with the potential for earning interest based on the performance of a stock market index, such as the S&P 500.
With an indexed universal life insurance policy, the cash value component of the policy is tied to the performance of a selected stock market index, with a minimum guaranteed interest rate. If the index performs well, the policy's cash value grows accordingly, up to a predetermined cap. If the index performs poorly, the policy's cash value will not decrease below the guaranteed minimum interest rate. Indexed universal life insurance policies offer more potential for growth than traditional universal life insurance policies, while still providing the flexibility to adjust premiums and death benefits over time. They are also generally considered less risky than investing directly in the stock market, as policyholders have a guaranteed minimum interest rate. |
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