Index Universal Life (IUL) insurance remains a key component of life insurance growth and can help address the risk factors or life events that can potentially deplete a client’s income. IUL’s ability to provide a death benefit while generating tax-free supplemental income makes it a versatile solution. The Success with IUL Toolkit provides resources to assist you with showing the value of IUL insurance and how it can help meet today’s financial obligations while still preparing for tomorrow.

If you are interested in having complete access to our Success with IUL Toolkit for prospecting and working with clients complete the form below.

Growing Demand for IUL Insurance

Most Americans are falling short of the amount of savings required for a comfortable retirement – if they are saving at all. 47% of the country has less than $10,000 saved for retirement; this includes 24% who say they have less than $1,000 in savings.1

Six out of ten American workers feel very or somewhat confident about having enough money for a comfortable retirement, though just 18 percent feel very confident. In addition, 3 in 10 workers report that preparing for retirement causes them to feel mentally or emotionally stressed. These stressed workers feel less financially secure and are far less confident. As a financial professional, you are in a unique position to help your clients become better prepared for the years ahead.

If you are interested in having complete access to our Success with IUL Toolkit for prospecting and working with clients complete the form below.

Your Ideal IUL Client

Nine in ten consumers say they need more life insurance coverage.2 As you meet with current and potential clients, who are your ideal index UL insurance prospects?

  •   Age range in the middle market of 30-59
  •   Household income of $65,000 or higher
  •   Someone who realizes the need for more life insurance
  •   Motivated consumers who take retirement seriously and want to do all they can to maximize their assets
  •   Interested in cash accumulation without investing in the market
  •   Concerned about paying for long term care or costs due to chronic or terminal illness

If you are interested in having complete access to our Success with IUL Toolkit for prospecting and working with clients complete the form below.

Putting the Life in Life Insurance

When you think of life insurance, you may think of a death benefit to replace lost income and protect loved ones from financial hardship. While this is an essential benefit, many life insurance policies provide impressive living benefits as well.

In today’s financial environment, it’s more important than ever your clients find a reliable source of retirement income. Retirement is lasting much longer than in years past. A male who reaches age 65 is expected to live an additional 19.3 years. While women, on the other hand, are living an additional 21.6 years when they turn age 65.3 This longevity can put a strain on savings when trying to make those dollars last through longer life spans.

Thankfully, index universal life (IUL) insurance goes beyond the death benefit and allows your clients to get more from their life insurance policy by gaining access to benefits they can use while they are living.

  • Enhance retirement income
  • Help fund college education
  • Aid with unexpected emergencies
  • Assist with long-term care
  • Fund the launch of a new business


IUL insurance is very versatile and can allow your clients to enjoy their lives today while having peace of mind about the future. Take the time to plan now, and ensure your clients have enough income to last through retirement.

If you are interested in having complete access to our Success with IUL Toolkit for prospecting and working with clients complete this form:

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1 EBRI 2017 Retirement Confidence Survey. No. 431. March 21, 2017.

2 LIMRA and Life Happens 2016 Insurance Barometer Study.

3 Social Security Administration. Calculators: Life Expectancy. Accessed August 9, 2017. View Source.