Permanent Life Insurance
The new evolution in life insurance...
Indexed Universal Life
As one of the fastest-growing segments of the life insurance industry, Indexed Universal Life (IUL) is a life insurance vehicle you’ll want to gain familiarity with. Access universal life insurance carriers contracting, our universal life insurance quote calculator, and universal life insurance training in myAdvisor cloud. Brokers Alliance® is the universal life insurance brokerage that knows all about IUL, and they can help you understand this groundbreaking product, as well.
- Help your clients understand the long-term ROI potential of IUL
- Connect your clients to the IUL plans that are best for them
- Understand and convey the tax-free benefits of IUL
Questions To Ask Your Clients:
Most "baby boomers" are now unable to retire, or unable to maintain a reasonable lifestyle because of the pitfalls of saving in tax deferred plans. (They were the first to fund IRAs, 401ks, or other TDPs) Universal Life insurance marketing associates have closed 86% of all the universal life insurance prospects they have presented the IUL alternative to since 2005.
- How will you get your income out of your retirement savings?
- How long will your retirement income last?
- What will your tax rate be when you retire?
- Do you want to retire on less income because you want to or because you have to?
- How long would you like your retirement income to last?
- There is a much better way to save for your retirement in this economy, when do you want to learn about it?
Retirement ACE™ : Animated. Collaborative. Experience.
One of the most important decisions your clients will make in their lifetime is how to plan for your retirement. The Retirement ACE™ is here to help. This unique program will explore how alternative solutions, such as Indexed Universal Life Insurance, can supplement their retirement portfolio by providing protections from market downturns, income that lasts a lifetime, valuable tax benefits, and relief from excessive fees.
Other retirement planning tools are limited to illustrating only one retirement option with a "one size fits all" comparison. The Retirement ACE™ allows you to compare multiple options, customized with your clients' numbers, in an interactive and collaborative environment.
Contact us at 800.290.7226
Frequently Asked Questions
What is indexed universal life insurance?
Indexed universal life, or IUL, is permanent life insurance with a cash value that earns interest tied to the performance of a market index, subject to a floor that protects against index losses and a cap or participation rate that limits the upside. It combines a death benefit with tax-deferred cash value growth and flexible premiums.
Who is a good fit for an IUL?
IUL fits a client who wants permanent coverage plus tax-advantaged accumulation and is comfortable trading some upside for downside protection. It is commonly used for supplemental retirement income, estate liquidity, and business planning, and it works best for clients who can fund the policy consistently over time.
How does an agent illustrate an IUL responsibly?
Run the illustration at a conservative crediting rate, show the guaranteed columns alongside the non-guaranteed, and make sure the client understands that index credits vary year to year. Brokers Alliance provides case design support so an agent can stress-test funding and avoid an over-illustrated policy that underperforms.
Does Brokers Alliance charge agents a fee to sell IUL?
No. There is no contracting fee, no platform fee, and no monthly cost. Contracting is free and open, and Brokers Alliance is compensated by the carriers when business issues, not by the agent.