Futuristic IUL Finder

Index Lock

Lock in an index value prior to segment end, protecting gains.

Overloan Protection

Prevents policy lapse if too many loans are taken.

Wash/Standard Loan Options

Offers flexible borrowing with minimal net loan cost.

High Cap Rates

Potential for higher index-linked growth before a cap applies.

Uncapped Strategies

No upward cap on index gains (may involve a spread or asset fee).

High Participation Rate

Captures a higher percentage of the index's growth.

Spread or Asset Fee Structure

Index credit reduced by a fee or 'spread' to offset costs.

Blended Indices

Combine multiple markets for diversified index exposure.

Interest Rate Bonus

Additional credit added to policy cash value over time.

Living Benefits (Critical Illness, Chronic Illness, Terminal Illness)

Access part of the death benefit if severe illness occurs.

Income Benefit Rider

Adds supplemental income streams within the policy.

Guaranteed Insurability Rider

Buy more coverage later without new health checks.

Child Term Rider

Provides term coverage for children under your policy.

No-Lapse Guarantee Rider

Keeps policy in force if conditions are met despite low cash value.

Long-Term Care Rider

Helps cover extended care costs if LTC services are needed.

Supplemental Term Insurance Rider

Adds extra term coverage atop the base policy.

Accidental Death Benefit Rider

Pays extra benefit if death results from an accident.

Annual Renewable Term Rider

Yearly renewable term coverage for flexible short-term needs.

Enhanced Performance Rider

Potentially boosts policy index returns or performance.

Liquidity Rider (Faster Access to Cash Value)

Allows partial or accelerated access to the policy's cash value beyond standard loans or surrenders.