Life Protection Advantage IUL
Guaranteed Coverage. Cash Value Growth. Peace of Mind.
An IUL built for those who want guaranteed death benefit protection first. Affordable premiums lock in coverage you can count on — no-lapse protection guaranteed to at least age 90 for most issue ages. Plus index-linked cash value growth potential with a 0% floor.
▸ Enter the Acceptance PortalGuaranteed No-Lapse Protection
Pay the long-term no-lapse protection premium and your death benefit is guaranteed to at least age 90 — and potentially beyond. For issue ages 60 and younger in average health, coverage can last up to or even beyond life expectancy. No worrying about your policy lapsing when you need it most.
Guaranteed Coverage
Pay the no-lapse premium and your death benefit is locked in. Guaranteed to at least age 90. For many, it lasts even longer — beyond life expectancy.
Index Crediting
Annual point-to-point method based on market index performance. 0% floor protects you from downside. Upside potential without the market risk.
Cash Value Access
Pay above the no-lapse premium and build cash value faster. Access it through tax-advantaged loans and withdrawals for retirement, education, or emergencies.
Multiple Strategies
Choose from multiple S&P 500® index crediting strategies plus a fixed account. Mix allocations across segments to match your outlook.
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.