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Indexed Universal Life with a Lifetime Death Benefit Guarantee You like so much about Indexed Universal Life insurance: • Low cost universal life chassis • Ability to earn interest based upon an external index like the S&P 500® • Interest credits that are locked in regardless of what happens to the index in the future […]




The short answer is “probably not.” I just presented the concept to a 66 year old retired police officer today.  Originally he was shopping term life. As we moved through the fact-finding process we found that his real objective was to leave something to his grandchildren.  I called it “Legacy Building.” He was too modest […]