* Results based on 30,114 unique locks from 11/29/2019 – 12/31/2024. Potential interest varies by index strategy and index. Past results are not a guarantee of future results.
1 The death benefit is generally income-tax-free when passed on to beneficiaries.
2 Policy loans and withdrawals will reduce the available cash value and death benefit and may cause the policy to lapse, or affect guarantees against lapse. Withdrawals in excess of premiums paid will be subject to ordinary income tax. Additional premium payments may be required to keep the policy in force. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax. If a policy is a modified endowment contract (MEC), policy loans and withdrawals will be taxable as ordinary income to the extent there are earnings in the policy. If any of these features are exercised prior to age 59½ on a MEC, a 10% federal additional tax may be imposed. Tax laws are subject to change and you should consult a tax professional.
IUL requires qualification through health and financial underwriting.
IUL is not a source for guaranteed retirement income. There is no guarantee that a policy will earn sufficient interest to support a loan strategy.
