Indexed Universal Life Flex

Issue Ages: (Age Nearest Birthday): 20-80

Minimum Face Amount: $100,000

Ideal Prospects: Like the flexibility and guarantees of universal life insurance, but are interested in the potential for higher crediting rates than traditional universal life offers.

Riders Available: Chronic Illness Death Benefit Advance Rider, Cost of Living Increase Rider, Extended No-Lapse Guarantee Rider, Life Paid-Up Rider, Salary Increase Rider, Terminal Illness Death Benefit Advance Rider, Waiver of Monthly Policy Charge Rider

Sales Tools

AudienceDocumentUpdatedLink
Advisor Use OnlyForms06/09/2026Click Here
Advisor Use OnlyKey Person Life/DI Calculator06/16/2026Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide10/08/2026Click Here
Advisor Use OnlyAccelerated Underwriting Guide06/16/2026Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseLife Paid-Up Rider Consumer Flyer06/16/2026BB12012-04Click Here
Consumer UseConsumer Brochure06/16/2026BB12042-04Click Here
Consumer UseChronic Illness Rider Consumer Brochure06/16/2026BB10935-11Click Here
Consumer UseCost of Living Increase Rider Consumer Flyer06/16/2026BB12168-03Click Here
Consumer Use“An Introduction to Indexed Universal Life Insurance” Consumer Brochure06/16/2026BB11839-06Click Here
Consumer Use“Term or Permanent Life Insurance?” Consumer Flyer06/16/2026BB12102-05Click Here
Advisor Use OnlyProduct Highlights Flyer06/16/2026BB12058-04Click Here
Advisor Use OnlyChronic Illness Rider Advisor Guide06/16/2026BB11960-12Click Here
Advisor Use OnlyAdvisor Guide06/16/2026BB12051-04Click Here
Advisor Use OnlySales Guide Brochure06/16/2026BB11913-07Click Here
Advisor Use OnlyLife Portfolio06/16/2026BB8978-35Click Here
Advisor Use OnlyBusiness Solutions Enhanced Underwriting Flyer06/16/2026BB12544-03Click Here

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