{"id":864,"date":"2026-09-18T00:17:04","date_gmt":"2026-09-18T00:17:04","guid":{"rendered":"https:\/\/onlinedemoserver13.com\/tony-depablo\/?page_id=864"},"modified":"2026-10-19T21:28:42","modified_gmt":"2026-10-19T21:28:42","slug":"indexed-universal-life-iul","status":"publish","type":"page","link":"https:\/\/onlinedemoserver13.com\/tony-depablo\/indexed-universal-life-iul\/","title":{"rendered":"Indexed Universal Life (IUL)"},"content":{"rendered":"\t\t
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Indexed Universal Life (IUL)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Build financial protection with life insurance coverage that also provides a cash value component. Indexed Universal Life may offer opportunities for cash value accumulation while providing living benefits and long-term financial planning options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tRequest Your Free Insurance Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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INDEXED UNIVERSAL LIFE OFFERS OTHER BENEFITS:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\tAccess money during your lifetime if there\u2019s a qualifying illness or injury\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Terminal Illness:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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You\u2019re diagnosed with a qualifying terminal illness<\/p>

Terminal illness Rider:<\/p>

  • Accelerated benefit on a discounted basis<\/li>
  • A terminal illness is an incurable, progressive medical condition that cannot be treated to prevent death, usually resulting in a life expectancy of six months or less.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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    Chronic Illness:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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    You\u2019re diagnosed with a qualifying chronic illness<\/p>

    Chronic illness Rider:<\/p>

    • Accelerated benefit on a discounted basis<\/li>
    • Can be added at no extra cost<\/li>
    • Chronic illness is defined as one that leaves you unable to perform, without substantial assistance, two of the six normal activities of daily living for a period of at least 90 days.<\/li><\/ul>

      The Six Activities of daily living include bathing, continence, dressing, eating, toileting, and transferring.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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      Critical illness <\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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      You\u2019re diagnosed with a qualifying Critical Illness Rider:<\/p>

      Critical Illness Rider:<\/p>

      • Accelerated benefit on a discounted basis.<\/li>
      • Can be added at no additional cost pays.<\/li>
      • Critical Illness pays a direct cash lump sum if you are diagnosed with major medical condition like Cancer, Heart Attack, or Stroke.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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        Critical Injury<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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        You\u2019re diagnosed with a qualifying critical injury.<\/p>

        Rider Critical Injury:<\/p>

        • Accelerated benefit on a discounted basis.<\/li>
        • Can be added at no additional cost pays.<\/li><\/ul>

          A Critical Injury is a severe life-threatening injury of a serious nature that requires immediate medical attention.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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          Alzheimer\u2019s Disease<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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          You have a qualifying diagnosis of Alzheimer\u2019s disease or Lewy Body Dementia.<\/p>

          Alzheimer\u2019s Disease Illness Rider:<\/p>

          • Accelerated benefit on a discounted basis.<\/li>
          • Can be added at no additional cost pays.<\/li>
          • Alzheimer\u2019s disease is a progressive brain disorder that slowly destroys memory, thinking skills, and the ability to perform basic daily tasks.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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            7.2 million:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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            Americans are estimated to be living with Alzheimer\u2019s dementia (about 1 in 9 people age 65 and older)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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            1 out of 3 people<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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            Aged 85 and older have Alzheimer\u2019s dementia<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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            12.7 million<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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            The expected number of people with Alzheimer\u2019s dementia in 2050<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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            $198,925<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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            Annual cost of a private room in a nursing home in Connecticut- nationwide, the average cost is $127,750<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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            $246,480<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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            Cost of care for a person with Alzheimer\u2019s dementia in the last 7 years of life.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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            $413.5 billion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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            Estimated economic value of care provided by family and other unpaid caregivers in the U.S in 2024.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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            Look Closer at Tax-Free Retirement Strategies:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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            What are your options if you don\u2019t qualify for a Roth IRA, or if you want to contribute more?<\/b><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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            • <\/b>Tax-Free Retirement Strategy- Using Permanent Life Insurance:<\/b><\/strong><\/li><\/ul>

              The primary purpose for purchasing permanent life insurance is for the death benefit protection that it provides, However, permanent life insurance offers the ability to build up tax-deferred cash value that can be. access during your lifetime to generate a stream of retirement income—Potentially Income tax- Free!<\/p>

              \u00a0<\/p>

              Additional Benefits of Permanent Life Insurance:<\/b><\/strong><\/p>

              • Self-Completing<\/li><\/ul>

                In the event of a premature death, the income tax-free death benefit would help fund your spouse\u2019s retirement goals.<\/p>

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                Access to Funds in the Event of illness:<\/b><\/strong><\/p>

                • Accelerated Benefit Riders are available at no additional cost and may allow you to access all or a part of your death benefit to help pay for costs associated with a terminal, chronic or critical illness.<\/li><\/ul>

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                  Protection in the Event of Disability<\/b><\/strong><\/p>

                  • For an additional fee, many policies offer an optional fee, many policies offer an optional waiver of Premium Rider that continues to pay your planned premiums if you become permanently disabled, keeping your policy on track with your original accumulation goals.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                    Indexed Universal Life (IUL) Build financial protection with life insurance coverage that also provides a cash value component. Indexed Universal Life may offer opportunities for cash value accumulation while providing living benefits and long-term financial planning options. Request Your Free Insurance Quote INDEXED UNIVERSAL LIFE OFFERS OTHER BENEFITS: Access money during your lifetime if there\u2019s […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-864","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/onlinedemoserver13.com\/tony-depablo\/wp-json\/wp\/v2\/pages\/864","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/onlinedemoserver13.com\/tony-depablo\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/onlinedemoserver13.com\/tony-depablo\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/onlinedemoserver13.com\/tony-depablo\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/onlinedemoserver13.com\/tony-depablo\/wp-json\/wp\/v2\/comments?post=864"}],"version-history":[{"count":18,"href":"https:\/\/onlinedemoserver13.com\/tony-depablo\/wp-json\/wp\/v2\/pages\/864\/revisions"}],"predecessor-version":[{"id":1230,"href":"https:\/\/onlinedemoserver13.com\/tony-depablo\/wp-json\/wp\/v2\/pages\/864\/revisions\/1230"}],"wp:attachment":[{"href":"https:\/\/onlinedemoserver13.com\/tony-depablo\/wp-json\/wp\/v2\/media?parent=864"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}