May be ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income.  An IUL policy can provide Flexible Death Benefits (Increasing the death benefit may be subject to additional underwriting approval) along with Flexible premiums.

Cash value growth is based on an interest crediting strategy that is tied to changes in a market index such as the S&P 5001.  Downside protection is provided though minimum guarantees2 to ensure that your cash value will not decline due to decreases in the Index.  Please contact me for more information.

1.“Standard and Poor’s®,” “S&P®,” “Standard and Poor’s 500,” and “500” are trademarks of Standard & Poor’s and have been licensed for use by Life Insurance Company of the Southwest. The product is not sponsored, endorsed, sold or promoted by S&P and S&P makes no representation regarding the advisability of investing in this Product. The S&P Composite Index of 500 stocks (S&P 500®) is a group of unmanaged securities widely regarded by investors to be representative of large-company stocks in general. An investment cannot be made directly into an index.

2.Guarantees are dependent upon the claims-paying ability of the issuing company.