F.A.Qs

An IUL is a type of life insurance that grows cash value based on stock market indexes — without the risk of losing money in the market.

Yes! Your policy has a 0% floor, meaning if the market dips, your policy won’t lose value due to the index.

Absolutely — many use IULs to create tax-free retirement income that doesn’t count against Social Security or Medicare.

IULs offer premium flexibility — and you can use the cash value to help cover it!

IULs offer premium flexibility — and you can use the cash value to help cover it!

Unlike term insurance, Whole Life never expires — your family is covered no matter when you pass. Plus, it builds cash value you can access while living.

Yes! Think of it like a financial foundation — you’re saving while you’re protected.

Nope! What you lock in at the start is what you keep for life.

You’re giving them a head start: guaranteed coverage for life, low rates, and a financial asset they can use when they're older.

· IUL: More growth potential tied to market performance.

· Whole Life: Stable, guaranteed growth for conservative savers.

Yup! The cash value can be used for education, weddings, business startups, and more — tax-advantaged.

Funeral costs, medical bills, unpaid credit cards — anything your family might face when you’re gone.

Not at all. These policies are built for easy approval, especially for seniors or those with health conditions.

Yes — most families only need $10,000–$25,000 for funeral costs and a few outstanding bills.

It’s a funeral assistance plan that provides your family with immediate services — from funeral homes to transport, even across borders.

Instead of handing your family a check, Assure for Life steps in and handles everything — so your loved ones don't have to.

No medical questions, no exams — you’re in

Yes! You can cover multiple loved ones — even if they live in another country.