Indexed Universal Life Express
Fast Approval. Index Growth. Same Protection.
All the power of an IUL — index-linked cash value growth, 0% floor, tax-advantaged access — with simplified underwriting that gets you approved fast. Face amounts from $25,000 up to $550,000 depending on age. No lengthy health inquiry. Policy in hand within weeks.
▸ Enter the Acceptance PortalIndex Crediting
Annual point-to-point crediting based on market index performance. 0% floor means your cash value never drops from a down market.
Multiple Strategies
Choose from S&P 500® crediting strategies with different participation rates and caps. Mix allocations across segments.
Cash Value Access
Borrow from your cash value through loans and withdrawals. Use it for retirement income, education, or emergencies.
Fast Approval
Simplified underwriting means fewer questions, less waiting. Most cases approved and policies issued within weeks.
GRO Rider — Guaranteed Refund Option
Included at no additional cost on qualifying policies. If life changes direction, you have 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 surrender value exceeds refund amount, you get the higher value
- No impact if you never use the rider
Terminal Illness Included
If diagnosed with a terminal illness (12 months or less), you can access up to 80% of your death benefit early — 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, or require supervision due to severe cognitive impairment, you can accelerate a portion of your death benefit.
Critical Illness Included
Covers life-threatening cancer, heart attack, stroke, major organ failure, ALS, kidney failure, Alzheimer's/dementia, and more. Access funds when you need them most.
No obligation. No spam. Just a conversation about what fits.