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Signature Indexed Universal Life Insurance

Insurance and investment, now that's flexible.

Key Facts

  • Issue Ages – 0-85
  • Coverage Amounts: $25,000 - $1MM
  • Features: Accelerated Benefit Rider, Over-loan Protection, Disability Waiver of Stipulated Premium, Disability Waiver of Minimum Premium, Children’s Term, Guaranteed Insurability Rider, and Signature Term Rider
  • Riders may vary and may not be available in all states.


Want performance based on the index? Consider a Signature Indexed Universal Life insurance policy.

A Signature Indexed Universal Life insurance policy (an “IUL”) is a flexible premium permanent life insurance policy that contains both an insurance component and an investment component. 

The Signature IUL policy2 differs from other types of permanent life insurance in the way that it accumulates cash value. You choose whether the growth of the policy’s cash value is based on the performance of the S&P 500 index or a fixed rate.  Unlike a variable universal life insurance policy or investing directly in the stock market your interest credited never drops below 0%3.

What benefits does Signature IUL offer to you and your dependents?

  • Income replacement
  • Assure the funds are available for the mortgage
  • Continuation of the family business
  • Pay for Tax and Final Expenses
  • Tax advantage wealth transfer

2 The purchase of an IUL is not a registered security or stock market investment and does not directly participate in any stock or equity investment or index.

3 Although the interest credited will never go below zero; due to monthly deductions to your policy, your Accumulation Value may decrease.

Did You Know?

75 million American families count on life insurance products. Source: American Council of Life Insurers, Facts about the US Life Insurance Industry 2016