Income Advantage IUL
Cash Value Growth. Tax-Advantaged. Protected.
Indexed Universal Life that builds cash value tied to market index performance with a 0% floor — your value never drops from market losses. Choose Single Pay (one check, done) or 7-Pay (funded in seven years). Either way, your death benefit stays in place and your cash value compounds tax-deferred.
▸ Enter the Acceptance PortalIndex-Linked Crediting
Your cash value earns interest based on market index performance — S&P 500® or other indices. Annual point-to-point method: 0% floor means you never lose value from a down year.
Multiple Crediting Strategies
Choose from four index strategies plus a fixed account. Mix and match across segments. New segments created monthly — rates locked for the year once set.
Tax-Advantaged Access
Borrow from your cash value through income tax-free loans and withdrawals. Use it for retirement income, education, emergencies — or anything else.
Permanent Coverage
The death benefit stays with you for life as long as premiums are maintained. Your beneficiaries receive it income tax-free.
Cash Value shown is the amount in the policy you can borrow from yourself.
| Single Pay | 7-Pay | Life Pay (to 120) | |
|---|---|---|---|
| Upfront Commitment | $23,502 once | $6,491/yr × 7 yrs | $84/mo × 82 yrs |
| Total Premiums Paid | $23,502 | ~$45,437 | ~$82,656 |
| Death Benefit | $100,000 | $100,000+ | $100,000 |
| Cash Value — Year 5 | ~$28,582 | ~$37,959 | ~$2,650 |
| Cash Value — Year 10 | ~$37,304 | ~$65,429 | ~$6,426 |
| Cash Value — Year 15 | ~$49,344 | ~$84,576 | ~$11,704 |
| Cash Value — Year 20 | ~$65,618 | ~$109,327 | ~$18,742 |
| Paid Off By | Year 1 | Year 7 | Never |
| Lapse Risk | None — paid in full | Low — done in 7 years | High — still paying at 90 |
GRO Rider — Guaranteed Refund Option
Included at no additional cost on qualifying Income Advantage policies. If life takes a different direction, you have seven surrender windows to get your premiums back:
- Year 15: One 60-day window, refund up to 50% of premiums paid
- Years 20-25: Six 60-day windows, refund up to 100% of premiums paid
- If the policy's surrender value exceeds the refund amount, you get the higher value instead
- No impact on the policy if you never use the rider
This means you're never truly locked in. Put money in, let it grow, and if your situation changes, you have a way out — no questions asked.
Terminal Illness Included
If diagnosed with a terminal illness with 12 months or less to live, you can access up to 80% of your death benefit early — income tax-free. Use it for medical costs, time with family, or anything that matters.
Chronic Illness Included
If you're unable to perform 2 of 6 Activities of Daily Living for 90 consecutive days (certified by a physician), or require supervision due to severe cognitive impairment, you can accelerate a portion of your death benefit.
Critical Illness Included
Covers 11 conditions including life-threatening cancer, heart attack, stroke, major organ failure, ALS, kidney failure, Alzheimer's/dementia, and more. Access funds while you still need them most.
Why Income Advantage Is the Flagship
Single Pay ($23,502 once) — one check, $65,618 in cash value at year 20, never pay again. 7-Pay ($6,491/yr for 7 years) — done in seven years, $109,327 at year 20, the highest cash value of all three options. Both come with the GRO rider (get your premiums back if life changes) and three living benefit riders at no additional cost. One check or seven checks beats 984 checks every time.
No obligation. No spam. Just a conversation about what fits.