Page 6 - Understanding IUL Insurance
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CASH VALUE SELECTIONS
IUL insurance gives you the opportunity to earn tax-deferred interest based in part on the performance of the selected Stock Market Indexed Accounts and/or Fixed Interest Account selection. Depending on your needs, you may direct your net premiums to:
• A Fixed Interest Account, which includes a Guaranteed Minimum Interest Rate. The Guaranteed Minimum Interest Rate is declared by the insurance company and usually will range between
2% -3%.1
• A Stock Market Indexed Account, which includes a Guaranteed Floor of 0%, meaning you are protected in a poorly performing market.
Policy owners have the choice to diversify among all of the fixed and indexed accounts that are offered by the issuing insurance company. Once an allocation is made, policy owners may make changes in the future at their discretion.2
1 Guarantees are based on the claims paying ability of the issuing insurance company. 2 Check with the issuing insurance company for specific details.
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