Eclipse Accumulator Indexed Universal Life
Eclipse Accumulator IUL is a single-life accumulation focused indexed universal life policy that was built with transparency in mind. Resilient in times of market volatility due to it’s low charge structure, Eclipse Accumulator goes back to basics offering your clients an accumulation IUL they can depend on.
Issue ages: 0-80 years old based on nearest birthday
Minimum face amount: $50,000 (ages 0-17); $100,000 (ages 18+)
WriteFit Underwriting™ and Traditional Underwriting:
WriteFit Express:
- Ages 0-17: $50,000-$250,000 – Preferred
- Ages 18-54: $100,000-$250,000 – Standard or better
WriteFit:
- Ages 18-50: $250,001-$2,000,000 – Standard or better
- Ages 51-60: $250,001-$1,000,000 – Standard or better
Traditional Underwriting:
- Ages 0-17: $250,001+ – Preferred is the best rating
- Ages 18-54: $250,001+
- Ages 55+: $100,000+
- Preferred Select
- Preferred Non-Tobacco
- Non-Tobacco Plus
- Standard Non-Tobacco
- Preferred Tobacco
- Standard Tobacco
- Special Risk
Surrender charge: Applies for the first 10 years after issue or face amount increase
Lifetime minimum guarantee: 2% at time of death, policy termination or surrender
Sales Tools
Audience | Document | Updated | Link |
---|---|---|---|
Producer Use Only | Underwriting Approach Producer Microsite | 02/13/2024 | Click Here |
Producer Use Only | BOLD (Business Owner Life-stage Design) Microsite Link | 12/21/2023 | Click Here |
Producer Use Only | LIFT (Life Insurance as a Financial Tool) Microsite | 12/21/2023 | Click Here |
Producer Use Only | Multi-Carrier Underwriting Guide | 05/01/2024 | Click Here |
Consumer Use | “The value of high ratings” Flyer | 12/22/2023 | Click Here |
Consumer Use | Life Insurance Needs Calculator | 12/22/2023 | Click Here |
Product Resources
Audience | Document | Updated | Form Number | Link |
---|---|---|---|---|
Producer Use Only | Recreational Marijuana Use Guidelines | 12/21/2023 | 98531 | Click Here |
Producer Use Only | Protection planning for your clients’ life stages Flyer | 12/21/2023 | 73355-5 | Click Here |
Producer Use Only | Criteria for Top Underwriting Classes Flyer | 12/21/2023 | F58854-6 | Click Here |
Producer Use Only | Mortality Credits Guidelines Flyer | 12/21/2023 | F58854-13 | Click Here |
Producer Use Only | “Long-term care and chronic illness planning for every life stage” Flyer | 12/21/2023 | 93450 | Click Here |
Producer Use Only | Product Highlights Flyer | 11/30/2023 | F93901-4 | Click Here |
Producer Use Only | Account Options Flyer | 11/30/2023 | F93901-5 | Click Here |
Consumer Use | Cross Endorsed Buy-Sell Consumer Brochure | 11/30/2023 | F71834-53 | Click Here |
Consumer Use | Consumer Brochure | 11/30/2023 | F93901-1 | Click Here |
Consumer Use | IPA Flex Consumer Flyer | 11/30/2023 | F88673-14 | Click Here |
Consumer Use | “Gift of a Lifetime” Consumer Brochure | 12/22/2023 | F70464 | Click Here |
Consumer Use | “Protect your children now and in the future” Consumer Flyer | 12/22/2023 | F77904-29 | Click Here |
Dedicated Team
2024 fmiAgent Point Awards
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