Index Universal Life
Help minimize uncertainty and maximize the future
Index universal life insurance helps minimize uncertainty by protecting those you care about and helps maximize the future by giving you the potential to accumulate value to help fund your future plans.
Index universal life insurance provides a death benefit – a valuable resource for your family, business associates or other beneficiaries if you should die prematurely. It is generally paid income tax free to your beneficiaries — a benefit only available on life insurance.
Your policy can build cash value over time to help you be ready for life’s exciting opportunities or discouraging obstacles. The cash value accumulation is linked, in part, to the performance of a fixed account or an equity index.*
Although index universal life insurance provides the potential for interest accumulation linked, in part, to an equity index, you’re not directly investing in equities so you have more protection. Your policy’s account value is protected from market loss and may even earn a minimum guaranteed interest rate.
Index universal life insurance may be a good fit for you if you are looking for protection to last as long as you need it, cash value based, in part, on the performance of an equity index and downside protection. Learn more by reviewing the product materials and contact a financial professional.
Survivor index universal life insurance provides insurance on two lives, and pays a death benefit after both insureds have passed away. A survivors policy may be right for you if you want to create a legacy for your beneficiaries, provide resources to settle your estate or fund future plans. When properly structured, your policy can help fund the transfer of a closely held business. Or, you can fund a trust to create a family legacy over several generations. The policy will also work with a special needs trust for a loved one with a disability.
*If you choose an equity index you are not investing in stocks or the index itself. Therefore, dividends paid by companies in the index are not part of the index calculation.
In approved states, Ameritas Growth Index Universal Life insurance (form 3022), Ameritas Value Plus Survivor Index Universal Life (form 3027) and Ameritas Value Plus Index Universal Life (form 3024) are issued by Ameritas Life Insurance Corp. In New York, Ameritas Growth Index Universal Life insurance (form 5022), Ameritas Value Plus Survivor Index Universal Life (form 5027) and Value Plus Index Universal Life (form 5024) are issued by Ameritas Life Insurance Corp. of New York. Policy and riders may vary and may not be available in all states. Optional features and riders may have limitations, restrictions and additional charges.