Indexed Universal Life
The primary benefit of a life insurance policy is the death benefit, which is a payment made to your chosen beneficiaries after your death. Indexed Universal Life insurance which is a type of whole life policy. Universal life also has what is called the cash value, which you can use while you are alive as a fund that grows to your benefit. You can use it to help pay for long-term care and other expenses.
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Indexed universal life insurance policies are a type of permanent life insurance policy with low premiums comparable to term life policies. With a standard universal life policy, you pay premiums only up to the cost of insurance. Any amount you pay above the cost of insurance is put aside as cash value.
With an indexed universal life insurance policy, this premium remittance money is put into a fund that grows along with the market: hence, it is indexed. Usually, these plans are tied to indexed funds such as the S&P. While you are living, you can take advantage of the gains made in this cash value.
Some policies have living benefits with protection from the costs of a Terminal or Critical Illness. It also protects against Critical Injury. Life changes so lets protect it.
Speak To A Life Insurance Agent Today
Indexed Universal Life insurance provides peace of mind for you and protects your loved ones. To start the process of enrolling in a plan, you can contact Hamil Legacy. Our team of talented agents will help you select appropriate coverage that fits your lifestyle.
To reach us, call 972-332-8054