Financial professionals

Indexed whole life

Remember the scene when Han Solo pilots through an asteroid field?

Life can be sort of like that sometimes — full of unexpected obstacles. Which is why you may want protection with guarantees on cash value, death benefit and premiums. Plus, you could use some extra power in the form of cash value from indexed returns. 

IWL could be a good fit for:

A person whoBecause
Wants permanent life insurance, but a limited set of payments – guaranteedIt’s permanent, and you don't have to pay for the rest of your life
Wants guarantees in their life insurance policyIt provides peace of mind as the company assumes much of the risk
Wants the potential to grow cash values faster than with an interest only policy, and wants to avoid negative returnsIt links growth of cash value to indexes like the S&P 500®

Key benefits of indexed whole life

Provide a death benefit

Your loved ones get a guaranteed, tax advantaged death benefit if you die

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 indices1 and that you can access for future financial needs, including retirement



IWL: Long on protection, not premiums

Word from mission control is that you can take advantage of your financial ability to secure whole life insurance over a short period of time. A Prestige indexed whole life insurance policy requires premium payments for a set number of years, such as 10 or 20. After that, the premiums end but your lifetime protection doesn’t. Copy that. 

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.

Stay flexible

Adapt to life’s unknowns with an IWL policy with two loan options plus optional riders to help address a variety of financial needs. 

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®.

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.

1Interest 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 AuguStarSM Life Assurance Corporation. 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 AuguStarSM Life Assurance Corporation. AuguStar LifeSM Assurance Corporation‘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 is issued by AuguStarSM Life Assurance Corporation. Guarantees based on the claims-paying ability of the issuer. Product, product features and rider availability vary by state. Issuer not licensed to conduct business in NY.

Cookies help us improve your website experience. By using our website, you agree to our use of cookies.