Signature Indexed Universal Life

Key Facts

MINIMUM FACE AMOUNT
  • $25,000
ISSUE AGES
  • 0-85
PREMIUM BANDS
BAND 1:
  • $25,000 - $ 99,999
BAND 2:
  • $100,000 - $ 250,000
BAND 3:
  • $250,001 - $ 499,999
BAND 4:
  • $500,000 - $ 999,999
BAND 5:
  • $1,000,000 and over

Overview

Signature Indexed Universal Life (IUL) is a flexible premium universal life insurance policy with both fixed and indexed crediting options.

INTEREST CREDITING OPTIONS

Premiums may be allocated to a Fixed Account, one or more Index Strategies, or a combination of any of the available interest crediting strategies. Depending on the allocation, the policy holder can earn fixed interest or interest based upon the performance of the S&P 500® Index.

FIXED INTEREST CREDITING OPTION

The fixed account will earn interest at a rate periodically determined by the company. Interest is calculated using a compound method assuming a 365 day year.

INDEXED INTEREST CREDITING OPTIONS

American National uses annual reset point to point strategies to determine the interest, if any, to be credited to strategies. These strategies use the performance of an index, in this case the S&P 500® Index, between specific time frames, to determine the interest rate, subject to other limitations, such as the Cap, Floor, or Specified Rate, to be credited to an index segment in an Index Strategy.

  • Point to Point with Cap: An indexed interest crediting method based on the change in value of the S&P 500®Index with a Cap and a 0% Floor.
  • Point to Point with Cap and Higher Floor: An indexed interest crediting method based on the change in value of the S&P 500® Index with a Cap and a Higher Floor than the previous strategy.
  • Point to Point with Specified Rate: An indexed interest crediting method based on the change in value of the S&P 500® Index. If there is an increase or no change in the index then a Specified Rate is credited in the Indexed Strategy with a Specified Rate, otherwise the interest crediting is zero.
  • Point to Point Uncapped with Interest Rate Spread: An indexed interest crediting method based on the change in value of the S&P 500® Index in the Indexed Strategy with no Cap and an Interest Rate Spread and 0% Floor.

RIDERS

Allow your clients to customize their coverage with policy riders.

  • Chronic, Critical, and Terminal Illness Accelerated Benefit Riders
  • Overloan Protection Benefit (Only available for Guideline Premium Test)
  • ANICO Signature Term Rider for UL
  • Disability Waiver of Minimum Premium
  • Disability Waiver of Stipulated Premium
  • Children’s Term Rider
  • Guaranteed Increase Option Rider

There may be an additional cost for the riders above, see Benefits and Rider Guide on the right for complete rider information. All riders are not available in all states.

Product Details

CONSUMER MATERIALS

Brochure

Forms

Illustrations

Crediting Rates

Your Life Journey

Crediting Opportunities

Sweep Account Overview

Riders and Benefits Guide

AGENT MATERIALS

Presentation

Sales Idea: Funding Grandchildren's Education

Sales Idea: Funding a Buy-Sell Agreement

Sales Idea: Supplemental Retirement Income

Frequently Asked Questions

 

TESTIMONIALS

I have thoroughly enjoyed working with Moody Insurance Group. It is so refreshing to be able to always get a real person on the phone. Their attention to detail and desire for us agents to succeed is so genuine and appreciated. Their hospitality was wonderful doing my visit to headquarters for Income Engineering training.

Marvin A. Johnson, Owner, JMJ Insurance and Associates

2017-02-20T22:06:22-06:00

Marvin A. Johnson, Owner, JMJ Insurance and Associates

I have thoroughly enjoyed working with Moody Insurance Group. It is so refreshing to be able to always get a real person on the phone. Their attention to detail and desire for us agents to succeed is so genuine and appreciated. Their hospitality was wonderful doing my visit to headquarters for Income Engineering training.
As an individual who has worked in the financial markets for many years, I have chosen to work with The Moody Group for a number of reasons. First, the products are some of the best in the industry. Second, the support I receive from the Marketing and Management Team is unexcelled. And third, the Moody Group maintains a very high level of ethics and standards in its marketing and sales philosophy.

Rodney Minks, Owner, Crown Benefits Group, Irving, Texas

2017-02-20T22:07:49-06:00

Rodney Minks, Owner, Crown Benefits Group, Irving, Texas

As an individual who has worked in the financial markets for many years, I have chosen to work with The Moody Group for a number of reasons. First, the products are some of the best in the industry. Second, the support I receive from the Marketing and Management Team is unexcelled. And third, the Moody Group maintains a very high level of ethics and standards in its marketing and sales philosophy.
The team at Moody Insurance Group is an asset to my business. I count on them for product knowledge, sales training, and marketing support. I enjoy the small team environment they foster.

Mike Markiewicz, Markiewicz Financial Group

Houston, TX

2017-04-12T14:30:07-06:00

Mike Markiewicz, Markiewicz Financial Group

Houston, TX

The team at Moody Insurance Group is an asset to my business. I count on them for product knowledge, sales training, and marketing support. I enjoy the small team environment they foster.
Why would I recommend doing Business with ANTEX? Being that Final Expense is the vast majority of my business, the Moody Group offers unique options such as 401K’s that other IMO’s don’t have to expand my company. The Corporate Management is a quick phone call away from my questions & make you feel welcomed.

ANTEX is part of American National which makes the financial strength & stability part of what I sell my clients.
Kyle Gilreath, The Gilreath Group

Auburn, AL




2017-04-25T20:33:05-06:00
Why would I recommend doing Business with ANTEX? Being that Final Expense is the vast majority of my business, the Moody Group offers unique options such as 401K’s that other IMO’s don’t have to expand my company. The Corporate Management is a quick phone call away from my questions & make you feel welcomed. ANTEX is part of American National which makes the financial strength & stability part of what I sell my clients. Kyle Gilreath, The Gilreath Group Auburn, AL

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CONTACT US

Address

Moody Insurance Group, Inc.

2302 Post Office, Suite 601

Galveston, Texas 77550

Phone

800.252.4002

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