Indexed Universal Life

w/ Living Benefits and Lifetime Income Benefit Rider

A smart financial tool designed for lifetime coverage, cash-value growth, and financial protection. This flexible policy through National Life Group offers a tax-free death benefit and Living Benefits to access funds in case of a qualifying illness – helping replace lost income and protect assets when life takes an unexpected turn. 

Imagine being diagnosed with a critical illness such as a heart attack or cancer. With Living Benefits, you could access a portion of your death benefit while still alive to cover medical bills, household expenses, or lost income, helping you focus on recovery instead of financial stress.

✔ Financial Growth: Tax-deferred cash value accumulation with multiple interest crediting strategies.

✔ Protection for Life’s Uncertainties: Access funds for serious illnesses, including terminal, chronic, or critical illnesses, critical injury, Alzheimer’s, or Lewy Body Dementia.

✔ Potential Tax-Free Retirement Income: Utilize policy loans and withdrawals for supplemental income when sufficiently funded.

✔ Business & Family Protection: Additional term coverage options for key employees, spouses, children, or others with a financial relationship to the insured.

✔ Guaranteed Lifetime Income: The Lifetime Income Benefit Rider (LIBR) offers a potential income stream for life.

EZ Underwriting – Fast & Simple: 

  • No medical exams or lab tests for qualifying applicants. 
  • Coverage up to $3,000,000 for ages 18–50, $1,000,000 for ages 51–60, and $250,000 for ages 61–65. 
  • Quick processing—estimated approval within 7 business days.

Let’s Build Your Custom Plan! Your financial goals and protection needs are unique. Schedule a consultation today to explore how this IUL can provide lasting security and peace of mind for you and your loved ones.

What You Provide:

You’ll answer some questions about your health, lifestyle, and background—such as medications you take, your occupation, hobbies (e.g., skydiving or scuba diving), and driving history.

What the Insurance Company Reviews:

Behind the scenes, the insurance company reviews third-party databases to verify your medical and personal history for underwriting