What is Index Life?

Index Life is a fixed Universal Life product with interest crediting rates linked to a popular market index. The most common index used is the S&P 500. Index life is a product that is designed for your clients with moderate risk tolerance. The key benefits of an index policy is that there is no downside market risk, which is associated with Variable Universal Life. In addition, it has good upside potential with market CAPS around 11-12% that can't be achieved with traditional Universal Life. Some contracts even provide secondary guarantees on death benefit. For more information please contact me.