Smart Builder IUL 2
No-Lapse Guarantee Indexed Universal Life
Issue Ages: 15 days to 80 years (age last birthday)
Minimum Face Amount: $100,000
Riders Available:
- Waiver of Surrender Charge Option
- Accelerated Benefits – Terminal, Chronic, Critical
- Children’s Term Insurance Rider
- Guaranteed Insurability Rider
- Waiver of Monthly Deductions Rider
- Accidental Death Benefit Rider
Special Features:
- Automatic Distribution Option
- Return of Premium Death Benefit Option
- Systematic Premium Allocation
- Premium Deposit Agreement Available
- Overloan Protection Benefit
- Protected Death Benefit
- Premium load is 0% on a current and guaranteed basis
- Choice of loans
- Variable interest rate loans available in policy year 1
- 10% of surrender value is available for a penalty-free withdrawal beginning in policy year 2
- Standard loans beginning in policy year one
- Partial surrenders available in the first policy year
- Variable interest rate
Sales Tools
Audience | Document | Updated | Link |
---|---|---|---|
Producer Use Only | Forms | 04/24/2024 | Click Here |
Producer Use Only | Webinar Replays | 12/21/2023 | Click Here |
Producer Use Only | Multi-Carrier Underwriting Guide | 04/05/2024 | Click Here |
Producer Use Only | Marketing Toolkit | 12/21/2023 | Click Here |
Producer Use Only | Products-At-A-Glance Microsite | 12/21/2023 | Click Here |
Producer Use Only | Technology Microsite | 12/20/2023 | Click Here |
Consumer Use | “What is IUL?” Consumer Video | 12/21/2023 | Click Here |
Consumer Use | “How does IUL work?” Consumer Video | 12/21/2023 | Click Here |
Consumer Use | Retirement Planning Consumer Video | 12/21/2023 | Click Here |
Product Resources
Audience | Document | Updated | Form Number | Link |
---|---|---|---|---|
Producer Use Only | “The Cost of Waiting” Flyer | 12/21/2023 | 1629NM | Click Here |
Producer Use Only | Accelerated Death Benefit Endorsements Universal and Indexed Universal Life Producer Guide | 12/21/2023 | 240NM-7 | Click Here |
Producer Use Only | Indexed Universal Life Marketing Guide | 12/21/2023 | 241NM | Click Here |
Producer Use Only | Product Highlights Flyer | 12/20/2023 | 1436NM-1 | Click Here |
Producer Use Only | Specimen Policy with Waiver of Surrender Charge | 12/20/2023 | Click Here | |
Producer Use Only | Specimen Policy with CVAT | 12/20/2023 | Click Here | |
Producer Use Only | Life Products At A Glance Producer Brochure | 12/21/2023 | 221NM | Click Here |
Producer Use Only | Strength and Stability Brochure | 12/21/2023 | 339NM | Click Here |
Producer Use Only | SimpleSubmit Compatible Devices Flyer | 12/21/2023 | 947NM | Click Here |
Producer Use Only | WriteAway Accelerated Underwriting Field Guide | 12/21/2023 | 643NM-1a | Click Here |
Producer Use Only | Simple Submit Producer Guide | 12/21/2023 | 259NM-1 | Click Here |
Producer Use Only | Medical Reference Library | 12/21/2023 | 136NL-b | Click Here |
Consumer Use | Power of Choice Consumer Flyer | 12/13/2023 | 1648NM-3 | Click Here |
Consumer Use | “Help Solve for Cost of Care” Consumer Flyer | 12/21/2023 | 1576NM | Click Here |
Consumer Use | Consumer Flyer | 12/13/2023 | 1437NM-2 | Click Here |
Consumer Use | Smart Builder IUL 2 Consumer Brochure | 12/20/2023 | 1437NM-1 | Click Here |
Consumer Use | Consumer Brochure | 12/13/2023 | 1437NM-1 | Click Here |
Consumer Use | How Indexed Universal Life Insurance Works Consumer Flyer | 12/21/2023 | 621NM | Click Here |
Consumer Use | Accelerated Death Benefit Endorsements UL and IUL Consumer Guide | 12/21/2023 | 240NM-4c | Click Here |
Consumer Use | Simple Submit Next Steps Consumer Flyer | 12/21/2023 | 259NM-3 | Click Here |
Consumer Use | Retirement Planning Consumer Brochure | 12/21/2023 | 207NM-3 | Click Here |
Dedicated Team
2024 fmiAgent Point Awards
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