Life insurance that protects you in three ways
You’ve seen that life insurance rates by age can be dramatically different as you get older. Though your age is not something you can alter, there are some other factors that can help you lower your term life insurance cost.
Death benefit protection
Lifelong protection for your family Aspire Financial Groups IUL is designed to provide life insurance coverage you’ll never outlive. As long as certain premium and cash value requirements are met, your loved ones are guaranteed to receive a tax-free death benefit1. Financial support if major illness strikes If you’re diagnosed with a qualifying critical, chronic, or terminal illness, you can access a portion of your death benefit early for medical expenses, your bucket list, or any other purpose.
Cash value growth potential
Tax-advantaged accumulation Increase cash value through fixed account growth or through index options that credit you based on the performance of popular market indexes, up to a maximum. Growth is generally tax-free2. Zero downside risk If an index is down, the index option to which it’s tracked will never go below 0%—meaning you’ll avoid all market-based losses.
A lifetime financial cushion
Liquidity during your working years Access your policy’s available cash value any time via tax-free policy loans and withdrawals3. Loans and withdrawals affect long-term policy performance. Retirement income options Activate the Lifetime Income option for a monthly income that lasts as long as you live. Or tap your policy’s cash value for supplemental retirement income as needed.
