Indexed Universal Life insurance is a long-term product designed for lifelong protection and cash value accumulation. It is not a short-term investment. It involves fees, expenses, and charges, including mortality and administrative charges, which may reduce the policy’s cash surrender value and death benefit.

Policy loans and withdrawals may impact the policy’s performance, reduce cash value, reduce the death benefit, and may cause the policy to lapse. If the policy lapses, any net loan balance due at lapse may be taxable. If a policy is surrendered prior to maturity, the policy owner may lose some or all of the principal.

Guarantees are based on the claims-paying ability of the issuing insurance company. Tax advantages depend on policy design, funding, ownership, beneficiary structure, and current tax law.

This material is for informational purposes only and does not constitute tax, legal, investment, or financial advice. For personalized advice and a detailed illustration of how a policy may work for you, consult with a qualified licensed professional and your tax and legal advisors.