Indexed Universal Life - AuguStar Financial

Virtus IUL II

We stay true to our principles with Virtus IUL II — an indexed universal life insurance that balances strong accumulation potential with robust protection, and charges among the lowest expenses in the industry, helping it perform well even in low interest rate environments.

Product details

Competitive features

  • Four diverse Index Accounts and a competitive Fixed Account
  • Guaranteed 30 basis point bonus interest crediting starting in policy year 11
  • No-Lapse Guarantee of up to 20 years
  • Minimum 2% Account Value True-Up starting in policy year 6

Meeting client needs with flexible loan options

  • Indexed loans allow cash value to remain in index accounts, which may earn higher interest than the loan’s variable interest rate charges
  • Standard loans have a guaranteed “wash loan” provision starting in policy year 11
  • Ability to switch between loan options as often as every 12 months

Optional riders

  • Accelerated Benefit Rider for chronic and terminal illnesses
  • Guaranteed Purchase Option (GPO) Rider
  • Overloan Protection Rider
  • Waiver of Premium for Total Disability (WPD) Rider
  • Children’s Term Life Insurance Rider
  • Single Premium Rider


Episode 7: What ever happened to IUL’s downside protection?


Learn more about indexed universal life insurance

Download How interest is credited to indexed policies PDF and IUL trial illustration software

Learn More About the Product

Indexed universal life insurance is issued by AuguStar℠ Life Assurance Corporation. Product, product features, and rider availability vary by state. Guarantees are based on the claims paying ability of the issuer. Issuer not licensed to conduct business in NY.

Want more information? Connect with us

The company has the people to assist you, the tools needed to grow your business and the technology to support you along the way. See what we can do for you!

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