Aviva USA
Vista Lifetime

Vista Lifetime, a flexible premium universal life plan with an indexed feature from Aviva, can help your clients build a solid foundation of financial protection for their families, businesses or estates. This high target premium plan can help your clients prepare for the future today with choice, flexibility, value and security.

Aviva has led the way in indexed life insurance product development for nearly a decade. Their products offer outstanding value and innovative features for your clients. For Complete Information Contact Our Preferred IUL Sponsors.  

Financial Brokerage, Inc. 800-397-9999

www.fb-inc.com

The one you are looking for…

The sales environment that makes sense for the accomplished independent agent. Financial Brokerage offers a wide variety of top-rated carriers and products – real choice that means more earning potential for you.  

Experience our unique blend of high commissions, top-tier incentive trips and a serious commitment to the producer. 

No one offers you more – top carriers, top compensation, and unmatched producer recognition programs

Davis Life Brokerage             800-747-5612            

www.DavisLife.com

The dynamics of the last decade resulted in a new approach to permanent life insurance. Consumers liked the higher return potential of linking cash value growth to equity markets in VUL, but didn’t like the possibility of losing cash value if the market went down. To meet these needs insurance companies developed indexed universal life or IUL.

IUL shares the coverage and premium flexibility of other universal life policies, but the crediting of interest is unique. Typically, cash value increases are linked to positive changes in an equity index. If the index is higher at the end of the policy year the interest credited to the cash value will reflect this. So, if the calculated index is higher at the end of the year the cash value will participate in a percentage of this increase.

What if the index goes down? If the index stays flat or declines the cash value is still credited with a minimum guarnteed interest rate. This is the attraction of IUL. When the index goes up the policy owner shares in the increase, but if the index goes down the policy still earns at least a minimum interest rate.

It should be noted that the cash value will probably not reflect all of the increase in the index nor are dividends or capital gains included in the index calculation. Protecting the cash value from market loss and guaranteeing a minimum return costs money, and money used to protect the cash value means a reduction in maximum potential returns. Even so, IUL offers many features

Index Universal Life Offers

Tax-Free cash to heirs

Tax-deferral of interest earnings

Interest earnings that benefit from index increases

Guaranteed minimum annual returns

Cash value protection against market declines

Annual lock-in of earnings

Access to cash value

Premium flexibility

Indexed Universal Life is for people that need life insurance and desire permanent protection. They want greater flexibility and greater control than is available with traditional insurance. IUL owners:

Like the opportunity for higher potential interest with index linked returns

Don’t like the volatility and risks of VUL

Want the certainty of knowing they’ll earn at least a minimum return in good times and bad

IUL is available as a flexible premium personal insurance plan with premiums typically paid monthly or yearly. IUL is also available for estate planning purposes as survivorship life. And, IUL is available as a single premium insurance instrument.