What company has a good index UL

Discussion in 'Indexed Universal Life Forum' started by Billy T, Aug 15, 2008.

  1. Billy T
    Offline

    Billy T Member

    Posts:
    16
    Likes Received:
    0
    State:
     
    I am looking for an affordable good index UL product that builds cash value. I have looked at AIG & OM can some one recommend some other company's to look into.
     
  2. haggy641
    Offline

    haggy641 Member

    Posts:
    14
    Likes Received:
    0
    State:
     
    Aviva has an excellent Indexed UL Plan. They have also teamed up with Mayo Clinic to offer some wellness incentives. Also, if your client can maintin a certain height/weight and see their doctor once a year for a physicial they can reduce their premium over time. Good stuff!
     
  3. BrokersAlliance_Life
    Online

    BrokersAlliance_Life Guest

    Indianapolis Life (AVIVA) has the best Index UL in the market place. As a matter of fact they ONLY offer indexed UL’s – this is their specialty.
    [FONT='Calibri','sans-serif']Anna x 112 [/FONT]
     
  4. JMO Fan
    Offline

    JMO Fan Well-Known Member

    Posts:
    403
    Likes Received:
    1
    State:
     
    Caution: SEC seems likely to sweep Index UL into the securities/separate account side by proposed EIA rules.

    Index UL also seems to violate a part of the Standard Nonforfeiture Law called the "Smoothness Test." Most states focus on the part of that law that sets minimum cash values, so they don't check "smoothness." However, ROP Term was a recent focus of an interpretation of the Smoothness Test, resulting in stronger NAIC guidelines.
     
    Last edited: Feb 24, 2009
  5. MHart
    Offline

    MHart Well-Known Member

    Posts:
    159
    Likes Received:
    0
    State:
     
    They don't offer term life? I have one that I will be converting to a EIUL within the next couple years. When did they stop selling term?
     
  6. BrokersAlliance_Life
    Online

    BrokersAlliance_Life Guest

    They still sell term however, they only offer Indexed UL’s in their [FONT='Calibri','sans-serif']permanent product portfolio.[/FONT]
    Anna
    x112
     
  7. arnguy
    Offline

    arnguy Well-Known Member

    Posts:
    7,786
    Likes Received:
    12
    State:
    Pennsylvania


    What the hell is all that garbage (Calibri, sans serif)? I know it is "font" and/or typeface, but why does it show up in your posts?
     
  8. ims01
    Offline

    ims01 Well-Known Member

    Posts:
    597
    Likes Received:
    1
    State:
     
    Did you check out the AIG Global Elite? ALso take a look at LSW.
     
  9. mickeyma
    Offline

    mickeyma Well-Known Member

    Posts:
    372
    Likes Received:
    0
    State:
    California
    I used Midland National Life. Been there 12 years and think it is an excellent company.
     
  10. Billy T
    Offline

    Billy T Member

    Posts:
    16
    Likes Received:
    0
    State:
     
    Thanks guys I will look in to all of those company's.
     
Loading...

Share This Page