FAQs

What is an Indexed Universal Life (IUL)?

Index universal life (IUL) insurance is a permanent policy — there’s no time limit (or term) on receiving your benefits. Some of the benefits can even be accessed while you are still living. You can adjust your premiums and/or death benefits to match your overall needs. all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference.

What are market indexes?

A market index is a hypothetical portfolio of investment holdings which represents a segment of the financial market. Investors follow market indexes to gauge market movements. The Dow Jones, S&P 500® and NASDAQ are three popular examples of stock indexes for tracking the performance of the U.S. market.

Indices are unmanaged and have no identifiable objectives. You cannot invest directly in an index.

What are the differences between Employer (Group) and Individual Life Insurance?

There is a great difference between these two types of Life Insurance Policies. Please click here for more information.

I already have Life Insurance, why do I need a policy review?

Life changes and so do your insurance needs. Maybe your family situation is different from when you purchased your policy (marriage, divorce, a birth or death, “empty nest,” etc.) or perhaps your income situation is different (acquired assets, salary increases, appreciate assets, etc.) Competitive forces within the life insurance industry have provided for unique designs and features, benefits and costs, which may be beneficial to you in your planning process. These changes and others could indicate a greater or lesser need for life insurance which our agents can help you determine.