IUL Key Concepts

Indexed Universal Life policies provide an impressive combination of financial features and benefits and can serve as powerful financial tools for your clients. In this lesson, we’ll review the key concepts inside the policies. We will define many of the options and components to provide you with a strong foundation for the future lessons. Understanding the cost of insurance and how it relates to premium payments will help you design a policy that meets client needs, remains in force and avoids negative tax consequences.