SOUTH TEXAS INVESTORS CLUB,LLC dba, INTEGRITY FINANCIAL GROUP
INTEGRITY FINANCIAL GROUP
"INTEGRITY IS CHOOSING YOUR THOUGHTS AND ACTIONS BASED ON VALUES RATHER THAN PERSONAL GAIN."
ANNUITIES*ALTERNATIVE INVESTMENT * LIFE INSURANCE * WEALTH TRANSFER*CD'S
THE HOTTEST LIFE INSURANCE PRODUCT ON THE MARKET FOR TAX FREE INCOME
IUL = INDEXED UNIVERSAL LIFE
What's Universal Life?
Universal life insurance (UL) comes in a lot of different flavors, from fixed rate models to the variable ones, where you select various equity accounts to invest in. Indexed universal life (IUL) allows the owner to allocate cash value amounts to either a fixed account or an equity index account. Policies offer a variety of well-known indexes such as the S&P 500 or the Nasdaq 100. IUL policies are more volatile than fixed ULs, but less risky than variable universal life policies because no money is actually invested in equity positions.
IUL policies offer tax free cash accumulation for college planning , retirement or wealth transfer while maintaining a death benefit. People who need permanent life insurance protection but wish to take advantage of possible cash accumulation via an equity index might use IULs as key-person insurance for business owners, premium financing plans or estate-planning vehicles. IULs once considered advanced life insurance products used by the wealthy to transfer wealth are now looked at by many as a extremely attractive alternative to other plans.