Why Choose an IUL Policy?
Living Benefits
Access cash value for retirement income, emergencies, education, or major expenses.
Tax Advantages
• Tax-free death benefit for beneficiaries
• Tax-deferred cash value growth
• Potential tax-advantaged access through policy loans*
Flexibility
Adjust premiums and death benefits as your financial needs change.
Lifetime Coverage
Provides permanent life insurance protection as long as the policy remains in force.
Market-Linked Growth Potential
Cash value earns interest linked to a stock market index, offering upside potential.
Principal Protection
A guaranteed floor (often 0%) protects your cash value from market losses.
Controlled Growth
Interest caps help balance growth opportunity with reduced risk.
Vital Care Insurance IUL Specialist
Schedule Your Free Consultation
Let’s design a customized strategy that fits your goals.
Vital Flow Insurance Specialist
Kimberly Nicholson, Licensed Agent
📞 919-656-2422
🗓 Free Consultation Available
Policy loans and withdrawals may reduce the death benefit and cash value. Guarantees are based on the claims-paying ability of the issuing insurance company.