Indexed Universal Life
- 20-80 (Preferred)
MINIMUM FACE AMOUNT
Two Death Benefit Options
Four Crediting Options
3 S&P Crediting Options
1 Fixed interest Option
In today’s environment many of your clients are looking for not only secure insurance protection, but a way to provide an income in the event of an unexpected need or to supplement their retirement years. In your role as agent, you play an important part in listening to your clients’ needs, and then in providing a product that meets these needs.
In the NWL® Lifetime Returns you will find features that fit a variety of markets. If you have a client who wants affordable permanent protection with strong cash value accumulation potential, and at the same time, offers the flexibility to use this accumulation for financial needs or cash flow at a later date, NWL® Lifetime Returns is the answer. NWL® Lifetime Returns is a flexible premium universal life insurance policy that combines the features of traditional fixed interest universal life insurance with the potential to have credited interest linked in part to the S&P 500® Composite Stock Index, which excludes dividends.
It is regulated as an insurance product, is not a security, and allows your clients the possibility to earn a better than average interest rate without the downside risks. NWL® Lifetime Returns was developed for your clients who are looking for strong cash value accumulation with affordable protection. They want flexible liquidity features for unforeseen needs, an income stream to provide a comfortable retirement and, at the same time, provide the security of a tax-free death benefit for their family
(NWL has all of their forms for in a centrally located place, you can find applications/brochures/forms/etc..)
To run quotes, you will need to download Beacon from the National Western myNWL page. Or you can contact Karen Cubero at 800-252-4002 ext.129 or email KarenC@MoodyGroup.com