Index Universal Life insurance is permanent life insurance for generally healthy people. You cannot outlive the policy if funded as agreed. It offers many tax free benefits such as:
Living Benefits
- Critical
- Chronic
- Terminal
Growing Cash Value
- Infinite Banking
- Tax free Growth
- Compound Interest
High Death Benefit
- Leave a Legacy
- Philanthropic Giving
- Guaranteed Benefits
Retirement Supplementation
- Planned or Flexible Payout
- Scheduled Disbursements
Fund More Purposes
- Investment Opportunities
- Mortgage Protection
- Medical Deductible
- Vacation Planning
- College Tuition
- Final Expense
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No Modified Endowment Contracts
All of our policies are set up to never become a Modified Endowment Contract (or MEC). An MEC is an IRS term for an insurance contract which fails the 7-pay test, meaning during the first 7 years more funds were paid into it than would have funded the entire future benefits of the same face value, level premium contract. (as defined in IRS 7702A(e)(3) & 7702(f)(4))