Solutions Designed to Shape Your Future…
ePower IUL Savings plans build cash value, like a “forced” savings plan, that you can withdraw during your lifetime. Please remember that withdrawing cash from your policy may impact the death benefit.
We’re here to help
Tired of losing money on crypto and stocks? Do you need an additional savings plan? How much benefit coverage do you need? You should discuss these and any other questions you have with a specialist to establish a plan that meets your objectives.
Indexed Universal Life
Build cash value on selected interest-crediting options tied to the performance of an index.
Receive non credit based loans attached to your funded IUL savings account.
Emphasizes cash growth potential, which may result in even greater future income potential.
Downside protection that guarantees you will receive no less than 0.75% even if the % change in the market index is negative.
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How does an IUL work?
Each time the policyholder makes a premium payment, part of the premium is used to cover the cost of life insurance, and the rest is unevenly split up to:
Build cash value.
Pay premium expense charges and administrative expenses.
Pay fees and commissions.
Bonus Products
Receive VIP access to personal loans.
Access to USA1 Bank’s investors network.
Discounts on Travel & Vacation Rentals.
As cash value builds, insurance companies tie its value to a market index, like the Dow Jones Industrial Average or S&P 500. Or an insurer could decide to connect cash value to markets most everyday people have never heard of, like the Hang Seng Index. The insurance company decides which market the funds will be tied to, although they don't actually invest the money in the market. Instead, they use their chosen market to determine how much the money is worth at any given time -- up to a cap. The cap rate is normally somewhere around 10% to 12%, so if the market is enjoying a bull market and the value of stocks is soaring, money invested in an IUL will increase in value up to 10% to 12%. If the market the insurance company has chosen tanks, IUL insurance typically includes a guaranteed rate of growth. The rate varies by carrier.
Cash value grows tax-free
Having your cash grow tax deferred will provide an additional way to save. The cash value may be used for a variety of purposes like paying for college, retirement income, or any many other situations.
Terms: This program is available to residents in GA, CA, FL, OH, TX, LA, CO, TN, MD, MI, NJ, IL, NV, VA, WI, NC, SD, SC, NM, WA, AL, and IA.
Approval Requirements
State ID/Driver’s License/Passport
Fair-Excellent Medical History
Approvals Usually Within 2-5 Days
Note: To receive a quick approval response, answer the following questions as accurately as possible. If key information is not mentioned, expect delays.