- Want permanent life insurance, but a limited set of payments – guaranteed
- Want guarantees in their life insurance policy
- Want the potential to grow cash values faster than with an interest only policy, and wants to avoid negative returns
Ideal for clients who:
Because of these features:
- It’s permanent, and you don’t have to pay for the rest of your life
- It provides peace of mind as the company assumes much of the risk
- It links growth of cash value to indices like the S&P 500® and has a 0% minimum “floor” on returns
Key benefits of indexed whole life
Provide a death benefit
Your loved ones get a guaranteed, tax advantaged death benefit if you die
This can protect your family from your early death and help ensure that your plans for them still come true
Secure guaranteed premiums
Your policy premiums will never increase, and are only required for a set period of time
Build cash value
Your premiums create cash value that has the potential to increase based, in part, on market indices* and that you can access for future financial needs, including retirement
Additional features
Dial in the right coverage
How you choose to design your policy will reflect your priorities for death benefit protection and cash accumulation.
Accumulate assets
Direct your money to a fixed interest account, or to index accounts where interest crediting varies with the performance of a specific equity index, like the S&P 500®.
Stay flexible
Adapt to life’s unknowns using an IWL policy with two loan options, plus optional riders to help address a variety of financial needs.
Explore IWL
Now that you understand why indexed whole life insurance may be right for you, aim your telescope toward these materials to get a deeper understanding.
*Interest linked growth is based in part on the movement of the selected market index and is subject to applicable caps, spreads, and/or participation rates.
The S&P 500® Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by AuguStar Life Insurance Company. Standard & Poor’s® , S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by AuguStar Life Insurance Company. AuguStar Life Insurance Company‘s Virtus indexed universal life insurance is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® Index.
Withdrawals may reduce the death benefit, cash surrender value and any living benefit amount.
Indexed whole life insurance issued by AuguStar Life Insurance Company, member of Constellation Insurance, Inc. family of companies. Product, product features and rider availability vary by state. Guarantees are based upon the claims-paying ability of the issuer. Issuer not licensed to do business in New York.