Indexed Universal Life Express

Indexed Universal Life Express® (IUL Express) is an indexed universal life policy designed to provide you with:

  • Permanent life insurance coverage that may last for your lifetime
  • An accumulation value that has the potential to increase based on the performance of a market index
  • Flexibility for the future
  • Simplified underwriting that doesn’t require a lengthy health inquiry

Issue Ages

  • 18-75 (nontobacco)
  • 18-75 (tobacco)

Initial Death Benefit

  • $25,000 – $300,000 for ages 18-50
  • $25,000 – $250,000 for ages 51-60
  • $25,000 – $150,000 for ages 61+

Riders Available: Terminal Illness, Chronic Illness, Critical Illness, Guaranteed Insurability Rider, Waiver of Surrender Charges for Partial Withdrawals, Lapse Guard

Sales Tools

AudienceDocumentUpdatedLink
Advisor Use OnlySimplified Issue Suite Advisor Resources Site09/21/2026Click Here
Advisor Use OnlyForms06/09/2026Click Here
Advisor Use OnlyDiscover IUL Advisor Microsite09/21/2026Click Here
Advisor Use OnlyAdvisor Training Video09/21/2026Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseIUL Express: Plan with Confidence Consumer Flyer09/21/2026643355Click Here
Consumer UseConsumer Brochure09/21/2026457975Click Here
Consumer UseGrandparents Consumer Brochure09/21/2026213129Click Here
Advisor Use OnlyeApp Pre-Approval Advisor FAQs06/24/2026628379Click Here
Advisor Use OnlyMutual Perks Advisor Flyer08/31/2026461403Click Here
Advisor Use OnlyIUL Express vs. Term Life Express Advisor Flyer09/21/2026458489Click Here
Advisor Use OnlyProduct Highlights09/21/2026457976Click Here
Advisor Use OnlyAdvisor Guide09/21/2026457978Click Here
Advisor Use OnlyThe Living Benefits of IUL Express Flyer09/21/2026458490Click Here
Advisor Use OnlyLiving Benefit Riders Guide09/21/2026616534Click Here
Advisor Use OnlyLife Product Portfolio09/21/2026388793Click Here
Advisor Use OnlyLong-Term Care Rider Information and Underwriting Guide09/21/2026345501Click Here
Advisor Use OnlyAccelerated Death Benefit Riders FAQ09/21/2026388197Click Here
Advisor Use OnlyState Rider Approvals Grid09/21/2026386462Click Here
Advisor Use OnlyLong-Term Care Rider Flyer09/21/2026345504Click Here
Advisor Use OnlyGuaranteed Refund Option Rider Advisor Flyer09/21/2026232886Click Here
Advisor Use OnlyPrescription Drug Exclusions06/24/2026170121Click Here
Advisor Use OnlyExpress Life Products Reference Guide for Simplified Underwriting06/24/202627857Click Here
Advisor Use OnlyLong-Term Care Rider Competitive Snapshot Flyer09/21/2026450595Click Here
Advisor Use OnlyExpress Products Comparison06/24/2026330025Click Here

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