What is
life insurance?

Photo of a mother and her daughter

A life insurance policy provides financial protection for your family in the event of your death. You make a contract with the insurance company, which pays a certain amount of money to your family upon your death. Your policy may also include features that would allow you to access a portion of the death benefit if you experience a qualifying medical condition or illness.

What protection needs does life insurance meet?

  • Protect the lifestyle of your children, spouse or dependents in case of death
  • Accumulate funds for education or retirement
  • Gain flexibility to fund unexpected events, like critical illness or nursing home care

Life insurance is a long-term contract with an insurance company that provides a death benefit. In return, periodic premiums are paid to the insurance company. It can also be used as a means of income by the cash value feature of some types of policies.

The life insurance policy’s death benefit can fund dependents’ needs for a long time. When buying life insurance, you need to decide how much you need, how long you need it and what you can afford to pay.

91Âé¶¹¾«Æ· Life Insurance

Most worry about protecting loved ones and meeting unexpected expenses in retirement.

If that's you, 91Âé¶¹¾«Æ· has the solutions.

Below, we explore fixed indexed universal life insurance and how it can work for you.

portrait of a father holding their child

Fixed Indexed Universal Life

Fixed indexed universal life (FIUL) provides a death benefit to the policyholder’s beneficiaries in exchange for periodic premium payments to the life insurance company. In addition to a death benefit, your policy may accumulate cash value which grows based on the performance of a market-driven index.1 You participate in a portion of the index gain, subject to certain limits, such as caps, spreads and participation rates. Policy guarantees offer protection to ensure you will never experience a loss in cash value due to index performance.

We design our products for people who seek death benefit protection, want the