For Individuals
Secure Your Future with Index Universal Life Insurance (IUL)
Your Productivity
Salient app will change the way we stay connected and interact. Meet Kara, a young aspiring writer who’s been using Salient to improve her skills every day.
Tailored pricing plans designed for you
Why choose us?
1. Protection for Life
Your IUL policy provides a death benefit that ensures your loved ones are financially secure, no matter what happens. Protect your family, settle debts, and leave a lasting legacy.
2. Tax-Advantaged Growth
With IUL, your cash value grows tax-deferred, meaning you can enjoy growth without the burden of immediate taxation. Withdrawals and loans can also be accessed tax-free when managed properly.
3. Flexibility to Fit Your Life
Your needs change over time, and IUL adapts with you. Adjust your premiums, increase coverage, or tap into your cash value when needed—all without starting over.
4. Market-Linked Growth with Downside Protection
IUL links your cash value growth to market indices, offering the potential for higher returns while safeguarding against market losses. Your policy’s growth is protected by a 0% floor, ensuring you never lose money due to market downturns.
5. Living Benefits for Life’s Unexpected Moments
Life can take unexpected turns. With living benefits, you can access a portion of your death benefit if you face a chronic, critical, or terminal illness.
Who Is IUL For?
IUL is ideal for individuals who:
- Want to grow their wealth without direct exposure to market risks.
- Seek a tax-efficient way to save for future goals.
- Need flexible financial planning options for life’s changing needs.
- Desire protection for loved ones while building cash value over time.