Universal Life Annuity Overview

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Key Features

Flexibility: Adjust premiums and death benefits as needs change.
Cash Value Growth: A portion of premiums goes into a cash account that earns interest, tax-deferred

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Interest Types

Standard UL: Linked to market rates, with a guaranteed minimum.
Indexed Universal Life (IUL): Growth tied to an index (like the S&P 500) with downside protection (zero floor) but upside caps

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Who is it For?

Who is it For?

Those with changing financial needs.
People seeking both insurance and a tax-advantaged savings vehicle for future goals (college, retirement)