Indexed Universal Life Insurance

Indexed universal life insurance (IUL) offers comprehensive death benefit protection along with the potential to build long-term cash value accumulation. It offers you the opportunity to earn interest linked to the performance of one or more stock market indices.


  • • Several index options and index crediting methods
  • • Interest bonus on the index and fixed account
  • • Choice of loans
  • • Premiums allocate daily to the index selections
  • • Accelerated death benefits for qualifying critical, chronic, or terminal illness


  • • College funding
  • • Retirement planning
  • • 1035 exchanges
  • • Buy-sell agreements
  • • Executive bonus


  • • Accidental Death Benefit Rider
  • • Accelerated Death Benefits for Terminal, Chronic, and Critical illness
  • • Children’s Term Insurance Rider
  • • Waiver of Monthly Deductions Rider


  • • Issue ages: 15 days to 75 years (age last)
  • • Loans:
    • o Standard loans available starting in policy year one
    • o Variable interest rate loans are available starting in policy year six with a maximum variable loan interest rate of 6.0%
    • o Zero cost loans – available with standard loans in policy year six on 100% of the loan value. Zero cost loans are loans charged and credited at 1.5% for a net zero cost.
  • • Interest bonus:
    • o Guaranteed interest bonus of 0.75% effective in years 11+ on the index account; conditionally guaranteed on the fixed account

Are you ready?

Look at what you can afford by contacting James Insurance Group today. Then ask yourself … can I really afford not to?

Talk to our James Insurance Group representative to find out more about Indexed universal life insurance.