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Indexed Universal Life

2 Common Index Crediting Methods used by Indexed Universal Life (IUL) Insurers

2 Common Index Crediting Methods Used by Indexed Universal Life (IUL) Insurers

October 10, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Insurers determine the rate of return to enter into their interest crediting formulas in their Indexed Universal Life (IUL) policies … Read more

4 Items to Consider when Assessing Indexed Universal Life (IUL) Insurance

4 Items to Consider When Assessing Indexed Universal Life (IUL) Insurance

October 10, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Selecting the best cash value life insurance policy is a difficult task involving a number of complicated concepts. However, because … Read more

How Equity Indexes are used with Indexed Universal Life (IUL) Insurance

How Equity Indexes are Used With Indexed Universal Life (IUL) Insurance

October 10, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

The equity indexes that insurers use for their interest crediting formulas are price indexes, not total return indexes. Price indexes … Read more

Alternatives to Owning Indexed Universal Life (IUL) Insurance

Alternatives to Owning Indexed Universal Life (IUL) Insurance

October 10, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Insurers and policyowners can configure an IUL policy’s premium payments and death benefits to resemble virtually any type of life … Read more

Tax Considerations of Owning Indexed Universal Life (IUL) Insurance

Tax Considerations of Owning Indexed Universal Life (IUL) Insurance

October 10, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

The income tax rules for IUL policies are virtually identical to the tax rules for UL policies which are essentially … Read more

Disadvantages of Indexed Universal Life (IUL) Insurance

Disadvantages of Indexed Universal Life (IUL) Insurance

October 10, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Policyowners of index universal life bear virtually all the disadvantages they would bear if they owned regular universal life policies. … Read more

7 Advantages of Indexed Universal Life (IUL) Insurance

7 Advantages of Indexed Universal Life (IUL) Insurance

October 10, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Policyowners of Indexed Universal Life (IUL) enjoy virtually all the advantages they would enjoy if they owned regular Universal Life … Read more

3 Reasons to Consider an Indexed Universal Life (IUL) Insurance Policy

3 Reasons to Consider an Indexed Universal Life (IUL) Insurance Policy

October 10, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Potential policyowners may consider IUL for any life insurance need. Initially, the insurer and policyowner may configure an IUL policy’s … Read more

An Introduction to Indexed Universal Life (IUL) Insurance

An Introduction to Indexed Universal Life (IUL) Insurance

October 10, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Indexed Universal Life (IUL) is a pseudo-hybrid of regular (or fixed) universal life (UL) and variable universal life (VUL). Like … Read more

6 Unique Advantages of Indexed Universal Life (IUL) Insurance

6 Unique Advantages of Indexed Universal Life (IUL) Insurance

October 7, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

The unique advantage of  Indexed Universal Life (IUL) is that it allows policyowners to earn potentially higher returns tied to … Read more

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8205 S Cass Ave, Suite 102 Darien, IL 60561, USA.

Copyright ©1984-2023 Life Quotes, Inc., 8205 South Cass Avenue, Suite 102, Darien, Illinois. Life Quotes, Inc. and certain of its personnel are licensed as insurance agents, brokers or producers in all states. CA agent #0A13858, LA agent #200696, MA agent #1746830. CA under agency #0827712 dba Quotes for Life Insurance Agency, LA agency #205078 dba Life Quotes Inc, UT agency #90093. All rights reserved. Telephone (630) 515-0170. Founded 1984.

Life insurance policies described, quoted, shown and illustrated throughout this website are not available in all states and may include those issued by: Life insurance policies described, quoted, shown and illustrated throughout this website are not available in all states and may include those issued by: American Family Life Insurance Company, Madison, WI; American General Life Insurance Company, Houston, TX and The United States Life Insurance Company in the City of New York, NY, both AIG companies; American National Insurance Company, Galveston, TX; American National Insurance Company of New York, Glenmont, NY; Assurity Life Insurance Company, Omaha, NE and Assurity Life Insurance Company of New York, Albany, NY; Banner Life Insurance Company, Frederick, MD, and William Penn Life Insurance Company, Garden City, NY, both Legal & General America companies; Boston Mutual Life Insurance Company of Boston, MA; Columbian Life Insurance Company, Chicago, IL and Columbian Mutual Life Insurance Company, Binghamton, NY, both members of Columbian Financial Group of Binghamton, NY; Fidelity Life Association, A Legal Reserve Life Insurance Company, Oak Brook, IL; Globe Life Insurance Company of New York, Syracuse, NY; Gerber Life Insurance Company, White Plains, NY; Globe Life and Accidental Insurance Company, Omaha, NE, a holding company of Torchmark Corporation, McKinney, TX; Foresters Financial, Buffalo, NY; John Hancock Life Insurance Company (USA), Boston, MA; Lafayette Life Insurance Company, Cincinnati, OH; Lincoln Life & Annuity Insurance Company of New York, Syracuse, NY and The Lincoln National Life Insurance Company, Fort Wayne, IN, both insurance company affiliates of Lincoln National Corporation, whose marketing name is Lincoln Financial Group; Minnesota Life Insurance Company of St. Paul, MN and Securian Life Insurance Company of St. Paul MN, both part of the Securian Life Insurance Company of St. Paul MN; Mutual of Omaha Insurance Company, Omaha, NE, United of Omaha Life Insurance Company, Omaha, NE, and Companion Life Insurance Company, Hauppauge, NY all Mutual of Omaha affiliate companies; North American Company for Life & Health Insurance, West Des Moines, IA; Pacific Life Insurance Company, Omaha, NE; Penn Mutual Life Insurance Company, Horsham, PA; Principal Life Insurance Company, Des Moines, IA; Protective Life Insurance Company and Protective Life and Annuity Insurance Company, Birmingham, AL; Pruco Life Insurance Company, Newark, NJ and Pruco Life Insurance Company of New Jersey, Newark, NJ, member companies of Prudential Financial, Inc., Newark, NJ; Sagicor Life Insurance Company off Austin, TX a member of the Sagicor Financial Corporation of Austin, TX; The Savings Bank Mutual Life Insurance Company of Massachusetts, Woburn, MA and Centrian Life Insurance, Woburn, MA (SBLI and The No Nonsense Life Insurance Company are registered trademarks of The Savings Bank Mutual Life Insurance Company of Massachusetts, which is in no way affiliated with SBLI USA Mutual Life Insurance Company, Inc.); Transamerica Financial Life Insurance Company, Harrison, NY, and Transamerica Life Insurance Company, Cedar Rapids, IA, both AEGON companies; United American Insurance Company, McKinney, TX.

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