INDEX UNIVERSAL LIFE INSURANCE
Protect Your Family and Grow Your Wealth in Marietta, Georgia.
Life insurance can do more than pay a death benefit. With the right policy, it can also build cash value you can use during your lifetime. At Atlanta Premiere Insurance Service, located in Marietta, Georgia, we help you design an index universal life policy that balances lifelong protection with flexible, long-term growth potential.
Index universal life (IUL)
KEY BENEFITS OF INDEX UNIVERSAL LIFE INSURANCE
Lifelong Protection
Permanent coverage that pays a tax-free death benefit to your loved ones whenever you pass away.
Cash Value Growth
Build cash value linked to a market index, with a 0% floor that protects against index losses.
Flexible Living Benefits
Access cash value through policy loans and withdrawals for retirement, college, or emergencies.
What Is Index Universal Life Insurance?
Permanent Coverage With Index-Linked Growth Potential
Index universal life (IUL) insurance is a permanent policy with a death benefit and a cash value account. The cash value earns interest based on the performance of a market index, such as the S&P 500, without investing directly in the market. A cap limits your upside, and a floor protects the account from index losses.
Types of Index Universal Life Insurance Coverage
Design a Policy Around Your Priorities
IUL policies can be structured in different ways depending on whether your focus is protection, savings, or legacy. We help you choose the structure that matches your goals.
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Guaranteed Death Benefit IUL
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Death Benefit (Protection) IUL
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Living Benefits IUL
Index universal life (IUL)
Frequently Asked Questions
Part of each premium goes into a cash value account that earns interest linked to an index’s performance, subject to a cap and a floor.
Index losses do not reduce your cash value because of the floor. Policy fees and charges can still affect it, so policies must be funded and reviewed properly.
Yes, through policy loans and withdrawals. Taking money out can reduce your death benefit and may affect your policy’s performance.
Already have Index Universal Life Insurance?
Switching is easy
Your policy should work as hard as you do. Speak with a licensed advisor at Atlanta Premiere Insurance Service and see how an index universal life policy could fit your financial goals.
Contact us today to help you with multiple options to choose from.
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Information is power — and we’re here to make sure you have it. Our job isn’t just to sell insurance, it’s to help you understand your options, protect what matters, and make confident decisions for the people you love.