Design
Indexed universal life insurance policies
Flexible coverage with potential cash value growth
Service
What is indexed universal life insurance?
Indexed universal life insurance offers long-term death benefit coverage that credits interest based on the performance of a market index. It also offers:
Cash value growth potential
With Aspire Leads Life Insurance, your policy doesn’t just protect your loved ones—it can also grow in value. Over time, you can access this built-up cash value through loans or withdrawals to support your financial goals whenever needed.
Tax advantages
Like most life insurance policies, your beneficiaries generally receive the death benefit free from federal income tax, while any growth within your policy accumulates tax-deferred over time.
Flexible premium payments
Enjoy full payment flexibility — choose a schedule that fits your budget (monthly, quarterly, semi-annually, or annually) while meeting the minimum payment requirements.
How Does Indexed Universal Life Insurance Work?
Aspire Leads offers a range of indexed universal life insurance (IUL) policies designed to provide lifelong protection and the potential to build cash value over time.
With an IUL policy, you get both — a death benefit for your loved ones and the opportunity to accumulate cash value that grows based on index performance. You can access this cash value through policy loans or withdrawals, giving you flexibility to use the funds however you choose.¹
The interest credited to your policy is based on either a fixed rate or the performance of an index, such as the S&P 500®. While your money isn’t directly invested in the market, your returns are linked to how the index performs.
Each indexed account includes a minimum crediting rate (floor) of 0%, protecting you from market losses, and may also have a maximum rate (cap) to limit gains. This balance helps manage risk while still offering potential growth.
Indexed Universal Life Policies from Aspire Leads
Aspire Leads provides several indexed universal life insurance options that combine protection with growth potential. Each policy includes:
A death benefit you can leave to your family, beneficiaries, or business.
Indexed account choices with a guaranteed minimum interest rate for steady, reliable growth.
Optional riders (available at an additional cost) to customize your coverage for your unique financial needs.
With Aspire Leads, you get more than life insurance — you get a flexible financial tool built to protect your future and grow your wealth over time.
