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Life Insurance

How fixed index universal life insurance is different from other policies


Different life insurance policies may provide different combinations of death benefit protection and accumulation potential.


Generally, the more flexibility in premium payments that a life insurance policy provides (that is, the choice of paying more or larger premiums and when), the greater your potential for tax-deferred cash value accumulation.


Matching the right policy to your needs depends upon finding the balance of death benefit protection, premium flexibility, risk tolerance, and accumulation potential with which you’re most comfortable. Keep in mind that most life insurance policies require health underwriting and in some cases, financial underwriting.



Whole life insurance also offers the predictability of level premium payments and can provide coverage for your entire life (instead of a set term). Unlike term policies, whole life policies have cash value you can access through policy loans and withdrawals.


Universal life insurance can provide coverage for your entire lifetime. It offers you the flexibility to pay your premiums at any time and in any amount (subject to some limits), as long as the policy expenses and cost of coverage are met. Universal life policies also have cash value that can accumulate at a fixed interest rate, which you’re able to access through policy loans and withdrawals. 

                 10 minute lesson on Life Insurance


Term life insurance provides coverage for a specific period

of time, after which the coverage stops and the policy terminates. Though they offer the advantage of level, predictable premium payments, term policies provide a death benefit only – they have no cash value accumulation potential.

Fixed index universal life (FIUL) insurance also provides death benefit protection, but it accumulates cash value based on positive changes in an external index. That gives it greater accumulation potential than traditional universal life insurance; and the built-in annual floor ensures that the cash value will not decrease due to market volatility. With FIUL the cash value is not directly invested in the market.


Other types of permanent life insurance policies, including variable universal life insurance, are available in the marketplace. Contact your financial professional for more information.

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