WHAT CAN IUL DO FOR YOUR CLIENTS?

It can help them:

• provide financial security for their family
• build financial security for their business
• supplement their retirement income – tax free!
• pay off credit cards, car payments, student loans, or other debts
• cover mortgage payments
• send their kids to college
• address emergencies if and when they arise.

The manner in which interest is credited to an IUL policy allows potential for strong cash value accumulation. A key benefit is that it offers protection in a poorly performing market. With IUL, your clients don’t participate directly in the stock market and the credited interest rate is never less than zero percent, guaranteed.

Key Points:

• The interest rate credited to the policy’s index account value is linked to the performance of the index or indices chosen and will never be less than zero percent.
• The premiums are not invested in any stocks, bonds, or equity investments.
• The index performance does not include dividends on the stocks that make up each index.
• The premium allocation to an Index Selection does not represent an investment in any index or market.

RECENT IUL NEWS & ANNOUNCEMENTS
(See the "Education & Training" page for upcoming IUL webinars.)

• May 14, 2012
  • Prudential's Advantage – an IUL you can feel good about selling. Index Advantage UL (Advantage UL) is a new permanent universal life policy you can recommend with confidence due to its’ straightforward design. Clients can build potential cash value through a choice of two interest-bearing accounts:
    The Indexed Account - based on the performance of the S&P 500, which excludes dividends, with a current 10.75% cap, 0% floor, and 100% participation rate.
    The Basic Interest Account - guaranteed to earn a fixed rate of at least 2%.
  • Premium Finance in this economy? YES! Download the Premium Finance Fact Finder. View a sample illustration using Transamerica's Freedom Global IUL II.
  • Income Protection Option & Overloan Protection added to Transamerica's IUL products
• May 7, 2012
  • Prudential's Index Advantage UL - now available Leverage these materials to familiarize yourself with this product.
    Fast Facts
    Consumer Brochure
    Competitive Comparison
    10 Sales Opportunities in 10 Minutes
    Sales Idea -Trustees of Spousal Lifetime Access Trusts
    Sales Idea - Clients in the Sandwich Generation
    Advantage UL FAQs
    Product Portfolio Overview
• April 29, 2012
  • Indexed UL Finds the Sweet Spot — and Stays There
    “What’s working in the market? What is selling out there? What should I be talking about to my clients?” These questions can perhaps be answered by asking another question: “What are clients buying today?” This article affirms the recent consumer trend in IUL sales and indicates the opportunity of approaching clients with a product that is increasingly being sought after - TODAY.
  • IUL Performance: Get Out Of The Dark - NEW Give your IUL-Global and ING IUL-Global Plus policyowners an idea of how their index credits might be calculated with this new flyer. IMPORTANT: REQUIRED TRAINING BEFORE USE! You must review this Required Training Presentation prior to using this document. All distributors can benefit from this helpful training to better understand ING IUL-Global and ING IUL-Global Plus and how to explain this document with your clients.
  • New Protection Options available on Transamerica's IUL in NY & Guam
    The Guaranteed Insurability Rider (GIR) is now available for new sales of Freedom Index Universal Life II and Freedom Global IUL II in New York and Guam. The GIR provides an opportunity to elect face amount increases without underwriting at certain defined ages and/or events. Click here for the New York Products Guide.
    The Overloan Protection Rider (OPR) is now available for new sales of Freedom Index Universal Life II and Freedom Global IUL II in Guam. The OPR can prevent a policy from lapsing due to excessive loans and will be automatically included on all newly issued non-MEC, GPT policies. Refer to the Product Guide for details on the OPR.
• April 23, 2012
  • Why Indexed? Why Now! Check out this excellent brainshark presentation to bring you up to speed on IUL.
• April 17, 2012
  • Indexed UL Finds the Sweet Spot – and Stays There
    IUL sales continue to grow, with clients appreciating the potential to participate in market growth while being protected.
• April 3, 2012
  • American National's Indexed Universal Life – 14% Cap Rate, 3% Lookback