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Index Universal Life Insurance

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Indexed Universal Life Insurance Policies are flexible and have great potential for growth.

Indexed Universal Life Insurance (IUL) is a type of permanent life insurance policy that combines the death benefit protection of traditional life insurance with a cash value component. The unique aspect of an IUL policy is how the cash value is credited with interest, which is tied to the performance of a stock market index, such as the S&P 500.

Like other universal life insurance policies, IUL allows flexibility in premium payments. Policyholders can adjust the amount and frequency of payments.  As with any life insurance, it provides a death benefit to the beneficiaries upon the death of the insured. This benefit is generally tax-free.

Part of the premium payments goes towards building a cash value, which grows over time. The growth is linked to a stock market index but does not directly invest in the stock market. The interest credited to the cash value is based on the performance of a chosen index. Most IUL policies have a guaranteed minimum interest rate (floor), which means the cash value won’t decrease if the index performs poorly.

Since the returns are linked to a stock market index, there is potential for higher returns compared to traditional whole life insurance policies. Notably, the cash value in an IUL policy grows tax deferred. This means you don’t pay taxes on the interest gains as they accrue. As an added benefit, policyholders can take loans or make withdrawals from the cash value, which can be used for any purpose.

Great service and always available!
Allison Clayton
Already did this. But won't hesitate again to let others know this is a top notch company and I'm so blessed to have them working w me!
Peggy Whalen
Jim Graham is extremely knowledgeable, attentive and kind. He took so much care and time to find the right cocktail of insurance for my business's specific needs!
Autumn Stankay
I highly recommend Graham Insurance group. Great customer service, friendly people, and always is looking at your best interest.
Dominic DiDonne (Dom & Nikki)
Locked my keys in my car on a Sunday and called the roadside assistance and had my car unlocked within the hour. Very easy and quick the guy also asked if I was OK and in a safe location.
Nicholas Prettiman
My father was with Graham Insurance and when I needed insurance I went to them as well. They have always been professional and helpful. Even though I rarely called them they know who I am as soon as I told them my name. I highly recommend them for all your insurance needs.
I have been with nationwide for years, they have always been friendly, helpful and professional. I have always been able to count on them for my auto and home insurance.
Laura Wilkinson
We have been with Graham Insurance for decades. Always a no-hassle experience and very competitive rates. A huge thanks to Ronni who helped us recognize our new coverage needs and completed the process seamlessly.
Kimberly Bringe