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Considering an IUL?
Learn what to ask about costs, guarantees, and policy performance before you apply.
Want to learn more about Indexed Universal Life (IUL) insurance? I’m a licensed independent insurance agent and can help explain how IUL policies work, what to review, and what questions to ask as you explore your options.
- How premiums and
policy values work - What is guaranteed
vs. assumed - Potential costs
and trade-offs - What to consider
before you apply
Talk Through IUL With Chris
Share your details and Chris will reach out. No obligation to proceed.
- Premiums
& funding - Indexed
crediting - Guarantees
& assumptions - Costs
& charges - Policy
illustrations - Trade-offs
& risks - Death benefit
options - Questions
to ask - No obligation
to apply
What we can discuss
Understand the policy before you apply.
Premiums and policy values
How premiums are applied, how cash value can build, and how indexed crediting is calculated.
Guaranteed vs. assumed
Which features are guaranteed by the contract and which depend on policy assumptions like caps and participation rates.
Costs and trade-offs
Cost of insurance, policy charges, surrender periods, and how they can affect performance over time.
Before you decide
What to review in an illustration and what to consider before deciding whether applying is right for you.
Questions
Is there any obligation?
No. You’re welcome to review the information and decide whether applying is right for you. There’s no obligation to proceed.
Are IUL returns guaranteed?
Some features are guaranteed and others depend on policy assumptions such as caps, participation rates, and charges. We’ll walk through which is which for any policy you’re considering.
How is Chris compensated?
If you purchase a policy, Chris may receive compensation from the issuing insurance company, in accordance with its compensation arrangements.
Is IUL right for everyone?
No. Policy features, costs, and eligibility vary. Review the policy details carefully and consider your individual circumstances before making a decision.
Ready to learn more?
Compensation disclosure: If you purchase a policy, I may receive compensation from the issuing insurance company, in accordance with its compensation arrangements.
Policy features, costs, and eligibility vary. Review the policy details carefully and consider your individual circumstances before making a decision.