• Indexed universal life (IUL) insurance lets the policyholder decide how much cash value to assign to an equity-indexed account and to a fixed-rate account, if available.
• Indexed universal life is a form of permanent life insurance that (like universal life) allows for flexible premiums and possibly a flexible death benefit.
• IUL insurance policies can track a number of well-known equity indexes, such as the S&P 500 or the Nasdaq-100, to earn interest credits.
• IUL policies usually cap your returns but also guarantee a minimum interest rate.

WHOLE LIFE

A whole life insurance policy is a type of permanent life insurance that provides lifelong coverage and builds cash value over time. Unlike term life insurance, which only provides coverage for a specific period, whole life insurance offers lifetime protection as long as premiums are paid. The policy also includes a cash value component that grows over time and can be accessed by the policyholder during their lifetime.

As an insurance broker, Mercy works for you and devoted to making sure you secure the best life insurance option that will benefit your family

• Indexed universal life (IUL) insurance lets the policyholder decide how much cash value to assign to an equity-indexed account and to a fixed-rate account, if available.
• Indexed universal life is a form of permanent life insurance that (like universal life) allows for flexible premiums and possibly a flexible death benefit.
• IUL insurance policies can track a number of well-known equity indexes, such as the S&P 500 or the Nasdaq-100, to earn interest credits.
• IUL policies usually cap your returns but also guarantee a minimum interest rate.

WHOLE LIFE

A whole life insurance policy is a type of permanent life insurance that provides lifelong coverage and builds cash value over time. Unlike term life insurance, which only provides coverage for a specific period, whole life insurance offers lifetime protection as long as premiums are paid. The policy also includes a cash value component that grows over time and can be accessed by the policyholder during their lifetime.

As an insurance broker, Mercy works for you and devoted to making sure you secure the best life insurance option that will benefit your family