Features That Can't Be Beat!
If you are currently selling Index Universal Life, does your preferred IUL contain the following?
- In-house dynamic hedging which allows the issuing company to manage the impact of market downturns, allowing the company to manage assets in a way that help guarantee promises to policyholder
- Daily hedging on index elections
- Ability to allocate loaned and unloaned values to different indexes
- Ability to switch between loan types
- A guaranteed 5% loan rate contractually guaranteed on the index or participating loan
- Withdrawals that receive partial year index credit
- Surrender charge period of 10 years
- Death benefit options of level, increasing and return of premium
- An uncapped premium bonus that has a guaranteed 15% multiplier on all positive credits starting in the 11th year
- Excellent marketing material
- Easy to use software that includes a back-casting tool.
- Marketing flyers comparing this product to other popular IULs
- Very competitive accumulation values