Instant Whole Life Coverage
IUL with Inner Circle provides living benefits, combining a death benefit with a growing cash value based on the performance of a stock market index. Get quick, lifelong coverage while building wealth, offering you the ideal blend of financial protection and growth potential.
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Indexed Universal Life Insurance
We partner with top insurance providers to deliver easy approval life insurance with no medical screening.
Protect Your Family and Grow Your Wealth
Indexed universal life is all about how the cash value grows. Choosing an IUL means selecting a policy that offers permanent coverage and never expires, while providing a safer alternative to direct stock market investments for cash value growth. IUL may be a good option for you if:​
Don't have life insurance coverage in place to cover final expenses or replace lost income
Need lifelong coverage that never expires, ensuring ongoing protection for you and your family.
Looking for a whole life insurance policy that provides cash value growth potential with lower risk than direct stock market investments.
Whole Life Insurance
Permanent life insurance, also known as whole life, is a category of life insurance that provides lifelong coverage and builds a cash value you can access during your lifetime through withdrawals or loans.
Infinite Banking Concept
Leverage the Infinite Banking Concept (IBC) to create a personal banking system. Instead of relying on traditional banks for loans, use this permanent policy as a central tool for managing and growing wealth.
Why Choose Indexed Universal Life Insurance (IUL)?
IUL with Inner Circle offers living benefits with a level premium and death benefit that remain unchanged throughout the policy's duration. A level premium and death benefit means predictable costs and stability without changes in coverage or premiums over time.
Permanent Coverage
Permanent life insurance policies, such as whole life, and indexed universal life, ensure coverage throughout your life. Get long-term security and financial protection for your loved ones.
Cash Value Growth
Accumulate cash value, on a tax-deferred basis that you can later access to pay for expenses such as college funding or emergencies. The cash value grows based on the performance of a selected market index.
Level Premium and Death Benefit
The premium you pay and the death benefit your beneficiaries receive stay the same throughout the life of the policy. Level policies offer consistent, reliable costs and financial protection that remains unchanged over time.
Accelerated Death Benefit (Living Benefits)
Access a portion of your death benefit while you're still alive if diagnosed with a terminal, chronic, or in some cases, a critical illness. This can help reduce the stress of financial uncertainty during difficult times.
FAQs
Five Questions To Ask When Considering Index Universal Life Insurance
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