Term Life
Affordable coverage for set years
Index Universal Life Insurance (IUL): Protection + Growth
Lifelong coverage that builds cash value with market-linked growth potential.
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Types of Life Insurance
What is Index Universal Life Insurance
Index Universal Life Insurance (IUL) is a form of permanent life insurance that provides lifelong coverage while building cash value over time. Unlike traditional policies, IUL offers flexible premiums, adjustable death benefits, and a cash value component that grows based on a market index, such as the S&P 500. With built-in downside protection and the potential for higher returns, IUL strikes a balance between long-term financial security and growth opportunities, making it a powerful tool for both protection and wealth-building.
Indexed Universal Life (IUL) Benefits
Flexible Premiums
Dial payments up or down (within policy limits) as life shifts—keep your plan aligned with your cash flow.
Cash Value Growth
Potential interest credits are linked to an index and protected by a 0% floor—subject to caps, participation rates, and policy charges.
Lifelong Coverage
Permanent protection designed to last your whole life, not just a set term—so long as premiums and values sustain the policy.
Loan & Withdrawal Options
Access available cash value through policy loans or withdrawals.
Note: these reduce cash value and death benefit and may have tax implications.
Indexed Universal Life (IUL) Coverage Options
Permanent life insurance with flexible premiums and cash value growth tied to a market index—you’re not directly in the market. Floors and caps help manage risk while you build long-term value.
Protection‑Focused IUL
Lead with guaranteed coverage; grow value conservatively.
Balanced Growth IUL
Blend protection with diversified index strategies.
Income‑Focused IUL
Engineered for future policy loans & withdrawals.
Who Benefits from Indexed Universal Life (IUL)?
IUL is permanent life insurance with a cash-value engine. Interest is credited based on an index (e.g., S&P 500) with downside floors and upside caps/participation rates. Translation: lifetime coverage + flexible, tax-advantaged accumulation—if you fund it right. Click a tile to see the best fits and watch-outs.
Maxed-Out Savers & Tax-Efficient Planners
Great after you’ve hit 401(k)/Roth limits and want another tax-advantaged bucket.
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- Overfund up to guideline/7-pay/MEC limits to focus on cash value, not just death benefit.
- Future access via withdrawals to basis then policy loans; keep the policy in force to maintain tax advantages.
Pre-Retirees (10–20 Years Out)
Build a supplemental, potentially tax-free income stream while keeping lifetime coverage.
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- Design for steady funding; consider increasing DB early, level later to manage charges.
- Understand loan types (fixed/indexed) and use overloan protection where available.
Business Owners & Executive Benefits
Useful for key-person coverage, Section 162 bonus plans, and informal SERPs.
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- Structure ownership/beneficiary correctly (entity vs. individual); align with compensation strategy.
- IUL shines for retention/accumulation; for pure death-benefit costs, compare term or guaranteed UL.
Legacy Builders & Protection-Focused Families
Permanent death benefit with optional living benefits; cash value adds flexibility.
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- Chronic/critical illness riders can accelerate benefits while living; features vary by carrier/state.
- Consider trusts/ownership if minors or estate taxes are a concern; review annually.
Term Life Insurance
Coverage for a specific period (e.g., 10, 20, 30 years).
Affordable premiums
Option to convert to permanent
Whole Life Insurance
Lifetime coverage.
Fixed premiums.
Cash value accumulation.
Universal Life Insurance
Flexible premiums and death benefits.
Potential for cash value growth.
Final Expense Insurance
Designed to cover funeral and burial costs.
Simplified underwriting process.
Indexed Universal Life Insurance
Cash value tied to market indexes.
Potential for higher returns with downside protection
Survivorship Life Insurance
Covers two individuals, typically spouses.
Pays out upon the death of the second insured.
Not Sure What You Need?
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Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Term Life Insurance
Coverage for a specific period (e.g., 10, 20, 30 years). Affordable premiums.
Option to convert to permanent insurance
Whole Life Insurance
Lifetime coverage.
Fixed premiums.
Cash value accumulation.
Universal Life Insurance
Flexible premiums and death benefits.
Potential for cash value growth.
Final Expense Insurance
Designed to cover funeral and burial costs.
Simplified underwriting process.
Indexed Universal Life Insurance
Cash value tied to market indexes.
Potential for higher returns with downside protection
Survivorship Life Insurance
Covers two individuals, typically spouses.
Pays out upon the death of the second insured.
How It Works
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Pay Premiums
Pay premiums into your policy.
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Costs & Cash Value
Part covers insurance costs; the rest builds cash value.
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Index-Linked Growth
Cash value grows based on market index performance.
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Borrow or Withdraw
You can borrow or withdraw from it while keeping coverage.
Ready to Protect Your Future with IUL?
Why Choose OnePoint
Personalized Protection – We take the time to understand your family’s needs and match you with the right coverage.
Independent & Unbiased – We shop multiple top-rated carriers so you get the best value, not a one-size-fits-all plan.
Guidance You Can Trust – Our agents explain your options in plain language and are here for you every step of the way.
Affordable Solutions – Flexible policies designed to protect your loved ones without straining your budget.
Local & Community-Focused – We’re part of the same neighborhoods we serve, so you’re treated like a neighbor, not a number.
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OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Frequently Asked Questions
What exactly is Index Universal Life Insurance (IUL)?
IUL is a type of permanent life insurance that not only provides lifelong coverage but also builds cash value. Unlike traditional whole life, your policy’s growth is linked to a market index (like the S&P 500) while still protecting you from market losses.
Can I lose money with an IUL if the stock market drops?
No, you won’t lose your cash value when the market declines. IULs come with a “floor,” which means your account won’t earn below a certain minimum rate (often 0%). The trade-off is that there’s also a cap on how much interest you can earn when the market soars.
How flexible are the premiums?
That’s one of the biggest perks! You can adjust how much you pay, as long as you meet the minimum premium to keep the policy active. This makes it easier to manage your policy during different stages of life.
How does the cash value grow?
Your cash value earns interest based on the performance of a chosen market index. The insurance company credits your account within the policy’s floor and cap limits. This means you get market-linked growth potential without the same level of risk as direct investing.
Can I borrow money from my IUL policy?
Yes, you can borrow or withdraw from the accumulated cash value, often on a tax-advantaged basis. Many policyholders use this feature to supplement retirement income, cover emergencies, or even fund college expenses.
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555 NorthPoint Center E, Alpharetta
Georgia. 30022
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