Indexed Universal Life - Frank Financial

Smart Investing, Strong Protection

Supplemental Retirement Income

As the cash value grows over time, you can access it through withdrawals or loans. This can provide supplemental income during retirement or serve as a financial safety net during emergencies.

Flexibility

IUL policies often offer flexibility in premium payments. Depending on your financial situation, you may be able to adjust your premium payments, subject to certain limits, which can be beneficial in times of economic uncertainty.

Market-Linked Growth Potential

One of the primary advantages of IUL is the potential for cash value growth based on the performance of selected market indexes. This allows you to benefit from market gains without exposing yourself to direct market risks.

Downside Protection

While you can benefit from market gains, IUL policies typically come with a minimum guaranteed interest rate. This means even if the market performs poorly, your policy's cash value won't decrease below this guaranteed rate.

How Index Universal Life Works

Index Universal Life Insurance (IUL) combines life insurance protection with potential cash value growth through index-linked accounts. It offers downside protection, ensuring your cash value won’t decrease below the guaranteed minimum interest rate even in poorly performing markets. IUL also has potential for growth if the market performs well, making it a versatile financial tool.

Choosing IUL involves a careful consideration of your risk tolerance, financial goals, and market expectations. Consulting with a financial advisor can help you navigate the complexities and determine if IUL aligns with your aspirations.

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