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Indexed Universal Life
Indexed Universal Life
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Instant Decision IUL
Unlock the full potential of your insurance business with Instant Decision IUL – where simplicity meets innovation. As an agent, you understand the challenges of selling insurance in a competitive market. That's why we've crafted a product that not only caters to the needs of your clients but also facilitates an ease of doing business that sets you apart.
Text and email signature options
Decisions are immediate - work when you want to - even nights and weekends
Electronic policy delivery available
Competitive commissions paid daily
10% Cash Bonus on your business
What is an IUL?
An Indexed Universal Life (IUL) insurance policy combines the security of permanent life insurance with the potential for cash value growth linked to the performance of a major market index, such as the S&P 500®. IULs provide the opportunity for the accumulation of cash value. The innovative design of an IUL not only ensures a death benefit for beneficiaries but also allows policyholders the potential to enhance their financial future by leveraging the positive movements of the stock market. It's a strategic and customizable financial solution for those seeking permanent life insurance coverage with the added potential for long-term financial growth.
Life Insurance Protection
Coverage available for all needs, from $50,000 - $450,000. The death benefit passes to your beneficiary income
tax-free.
Americo IUL
Product Features
Growth Potential
Indexed universal life insurance offers tax-deferred cash value growth with two separate interest accounts. You can allocate premiums to the Declared Interest Account or the Indexed Interest Accounts.
Minimum face amounts start at $50,000 and non-medical up to $450,000
Interest based on the performance of the S&P 500®
Two indexed interest options with 1-year index period
Potential to accumulate cash value
Living Benefit Riders included at no additional cost
Living Benefits
For clients diagnosed with a critical, chronic, or terminal illness, Living Benefit Riders may give them access to an early (accelerated) payout of the policy death benefit.
Product Portfolio
Life insurance can help protect your clients’ family and from the financial hardships that can come with the death, disability, or critical illness of the primary breadwinner. Americo's Instant Decision Term Series feature simplified issue products that make it easy for clients to find peace of mind that their families are protected. If you have clients with specific needs, a policy from Americo may be a good fit for them. Best of all, our products offer a 100% instant decision. You can review our Term Portfolio products below.
How Does Interest Crediting Work?
Americo’s Instant Decision IUL uses the Point-to-Point method to determine the index rate. The indexed crediting rate applied is the index rate multiplied by the declared Participation Rate or limited by a Cap. The resulting percentage is the interest rate used to credit interest to the indexed account at the end of the year-long crediting period. The Point-to-Point method utilizes an annual reset feature which means that yearly interest earnings are locked in and subsequent index value are recalculated each year.
How to Calculate the Index Interest Rate
To determine the Index Rate, the annual Point-to-Point method compares the closing values of the S&P 500 Index at the beginning and the end of each 1-year period [(ending value - beginning value)/beginning value]. The Net Index Rate applied to the indexed account will be determined by adjusting the Index Rate by the current Participation Rate or Cap.
The Participation Rate and Cap are declared in advance of each year-long index period and will be
guaranteed for the year-long index period. The Participation Rate is the percentage of the index rate that will be used in determining the Net Index Rate. A Cap is the maximum Net Index Rate that may be applied to a indexed account.
"How would two different Index Crediting Options determine the Indexed Interest Rate?"
Here is an example:
Point-to-Point with Cap
Beginning Account Value:
Insurance Costs:
Cap:
Beginning Index Value:
Ending Index Value:
Index Growth Rate:
Indexed Interest Crediting Rate:
Ending Participation Account Value:
$10,500
$500
12%
1,000
1,200
20%
12%
$11,200
Point-to-Point with Participation Rate
Beginning Account Value:
Insurance Costs:
Participation Rate:
Beginning Index Value:
Ending Index Value:
Indexed Growth Rate:
Indexed Interest Crediting Rate (20%*75%):
Ending Participation Account Value:
$10,500
$500
75%
1,000
1,200
20%
15%
$11,500
Two product options with either 100% or 50% of base premiums available at the end of the Cash
Back Option period depending on the version of the product purchased
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cash back Option
Universal life policies that offer level insurance with Cash Back Option guarantees
• Continuation 10 & Continuation 25 - death benefit reduces to 10% or 25% of the original death benefit
• Payment Protector Continuation 10 - death benefit is equal to 10% of the initial lump sum death benefit
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Permanent
protection
Whole life decreasing death benefit products that offer permanent protection
A different way to help protect your clients' assets. Traditional life insurance products provide a lump sum death benefit. With Payment Protector, the death benefit can be paid in monthly income payments.
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Payment
Protection
Decreasing term coverage where the death benefit is paid in monthly income payments
• 30, 25, 20, & 15-year level premium periods
• Available at higher issue ages
• Living benefit riders included at no additional cost
See More
level term insurance
Affordable simplified issue, level term products
Assumes a beginning Participation Account value of $10,500. All examples shown are hypothetical and intended only for illustrative, educational purposes.
10% Bonus on Life Business
Americo wants to pay you cash! You can earn a 10% bonus check on your life business. Meet the UFirst Rewards requirements by November 30, 2024, and receive a 10% bonus check in December.
Plus, you can earn an extra 25% credit for sales on our Instant Decision IUL product. This incentive is valid from February 23, 2024, through the end of the qualification period!
Getting a customized advertisement is easy. Scroll through the ads, roll over the image to make it bigger, and when you are ready, simply click on the Customize button below and fill out the form. We will email you with a Press-ready PDF within 3 business days that you can take to any local printer (we do not provide printing or mailing).
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866.214.0054
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Become An Agent
At Americo, we provide the solutions you need to grow your business. As an independent agent, you want the tools to make your business successful. Americo focuses on your sucess and provides you with personalized support.
Innovative products
Creative business processes
Education and sales tools
Industy-leading service
Become An Agent
Americo contracts our Independent Agents through Independent Marketing Organizations (IMO). Please contact your IMO for more details. Americo does not contract agents directly. If you do not have an IMO, contact Americo Agent Services at agent.services@americo.com or complete our request form by clicking the "Become An Agent" button.
Americo Financial Life and Annuity Insurance Company is authorized to conduct business in the District of Columbia and all states except NY. Americo Indexed Universal Life (Policy Series 336) is a flexible premium adjustable life policy underwritten by Americo Financial Life and Annuity Insurance Company (Americo), Kansas City, MO, and may vary in accordance with state laws. Some products and benefits may not be available in all states. Some riders are optional and available for an additional cost. Certain restrictions and variations apply. Consult policy and riders for all limitations and exclusions.
For agent use only. Not for public use. 23-084-7 (02/24) REV: 06/24