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 take on market risk with the goal of achieving:
A higher rate of return on the value of their account.

This investment model is based on the results 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, every two years, a bonus or return equivalent to the variable percentage of participation based on growth in the S&P 500 Index is credited to the account of the insured. Please note that if the Index does not increase, there is no bonus, but there is a minimum guaranteed return.

As with a Variable Universal Life policy, the indexed policy offers flexibility in premiums, amounts insured, and payments.

Features Benefits
An ideal way to protect yourself and your beneficiaries Increase in value:
The policy can increase in value through indexed funds.
It is an effective estate planning tool (Including trusts) Capital Protection:
Our 0.0% capital guarantee program protects against capital losses.
Access to the top 500 U.S. companies through the S&P 500 Fund Withdrawals:
You can obtain a surrender value-based percentage for personal use through partial surrenders (minimums and maximums apply).
Premium amounts are flexible.
Insured amount in U.S. Dollars.
Provides maximum confidentiality. Access to Loans:
Policy owners can borrow at preferential rates based on surrender value (minimums and maximums apply).