Indexed Universal Life Insurance

May be ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income. Increasing the death benefit may be subject to additional underwriting approval.

Indexed Universal Life offers;

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Flexible death benefit

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Flexible premium

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Cash value grows based on an interest crediting strategy that is tied to changes in a market index such as the S&P 500.**

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Downside protection through minimum guarantees* to ensure that your cash value will not decline due to decreases in the Index.

* Guarantees are dependent upon the claims-paying ability of the issuing company.
** “Standard and Poor’s®,” “S&P®,” “Standard and Poor’s 500,” and “500” are trademarks of Standard & Poor’s and have been licensed for use by Life Insurance Company of the Southwest. The product is not sponsored, endorsed, sold or promoted by S&P and S&P makes no representation regarding the advisability of investing in this Product. The S&P Composite Index of 500 stocks (S&P 500®) is a group of unmanaged securities widely regarded by investors to be representative of large-company stocks in general. An investment cannot be made directly into an index.

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How Index Crediting Works

Yes, zero can be your hero. Explore how interest crediting works on an indexed universal life insurance policy.