Universal Index Life Insurance

Universal Index Life Insurance
The key concept in Indexed Life Insurance is the percentage of participation based on growth and return in the S&P 500 Index. (See Policy Contract).
The investor who acquires this type of policy is ready to accept market risk with the goal of achieving:
A higher rate of return on the value of his/her account
This investment model is based on the result obtained by the S&P 500 Index (encompassing the 500 largest companies in terms of capitalization), with a minimum guaranteed return of 0.0%, every 24 months.
In addition to the above, every two years a bonus or return equivalent to the variable percentage of participation, based on the growth in the S&P 500 Index, is credited to the insured’s account. It should be noted that if the Index does not increase, there is no bonus; but there is a minimum guaranteed return.
Just as in a Variable Universal Life policy, the indexed policy has flexibility in premiums, in amounts insured, and in payments.