Protect Your Family
Create a death benefit designed to help protect the people and causes that matter most.
PROTECT TODAY. PREPARE FOR TOMORROW.
Life Insurance
Designed for More
Than the Unexpected.
Explore life insurance strategies that can help protect the people you love while supporting your long-term financial goals.
GE Insurance Agency helps individuals and families understand their life insurance options, including Indexed Universal Life insurance, and determine which strategies may be appropriate for their needs.
No obligation · Personalized options · Licensed professionals
For the people you love.
For the legacy you leave.
Life Protection
Living Benefit Options
Cash Value Potential
Legacy Planning
Personalized Guidance
Benefits depend on the product selected and policy terms.
A DIFFERENT WAY TO THINK ABOUT PROTECTION
What If Your Life Insurance
Could Do More?
Traditional life insurance is primarily designed to provide financial protection after death. Certain permanent policies may also offer features that can be incorporated into a broader financial strategy during your lifetime.
Build Potential Cash Value
Certain permanent policies may accumulate cash value over time when properly funded and maintained.
Access Living Benefits
Depending upon the policy and applicable riders, certain benefits may potentially be available during your lifetime.
Plan for the Future
Life insurance can be one component of a broader retirement, estate or legacy strategy.
UNDERSTANDING YOUR OPTIONS
What Is Indexed
Universal Life Insurance?
Indexed Universal Life insurance, commonly called an IUL, combines permanent life insurance protection with the potential to accumulate cash value.
Interest credited to an indexed account is generally determined using a selected market index, subject to caps, participation rates, floors, charges, crediting methods and other policy limitations. You are not investing directly in the stock market.
01
Protection
Permanent life insurance provides a death benefit as long as policy requirements are met.
02
Potential Accumulation
A portion of policy value may receive interest based on an index-crediting strategy.
03
Potential Access
Policyowners may access available cash value through withdrawals or policy loans, subject to policy provisions.
An IUL is an insurance product, not a direct investment in a stock-market index. Performance is affected by insurance costs, fees, funding levels and other policy provisions.
YOUR GOALS COME FIRST
Could an IUL Be Right for You?
An IUL is not appropriate for everyone. Our process begins by understanding what you’re actually trying to accomplish.
Families
Permanent financial protection and the opportunity to build policy value.
Business Owners
Insurance as part of business protection, succession or long-term planning.
High-Income Professionals
Additional strategies to complement savings and retirement planning.
Legacy-Focused Families
Financial resources for children, grandchildren, charities or future generations.
Individuals Preparing for Retirement
Long-term financial strategies beyond traditional retirement accounts.
CLARITY AT EVERY STEP
A Simpler Way to Explore
Your Insurance Options
Personalized guidance. Informed decisions. A process built around you.
Tell Us About Your Goals
Complete a short confidential questionnaire about your protection needs, financial objectives and priorities.
Review Your Options
A licensed insurance professional evaluates appropriate insurance options based on the information you provide.
See Your Personalized Illustration
If a permanent policy may be appropriate, review a carrier-generated illustration explaining projected policy values, costs and benefits.
Apply
If you decide to proceed, complete the insurance application and underwriting process.
There is no obligation to purchase a policy simply because you request information.
A POLICY WITH A PURPOSE
Your Financial Future Deserves More
Than a One-Size-Fits-All Policy.
Tell us what you’re trying to accomplish and we’ll help you explore
life insurance options aligned with your goals.
THE RIGHT FIT, NOT A ONE-SIZE-FITS-ALL ANSWER
Different Goals Require
Different Insurance Solutions.
| Policy features | Term Life | Whole Life | Indexed Universal Life |
|---|---|---|---|
| Life Insurance Protection | |||
| Temporary Coverage | — | — | |
| Permanent Coverage | — | ||
| Cash Value Potential | — | ||
| Flexible Premium Potential | — | — | |
| Index-Linked Crediting Potential | — | — |
Product features vary by insurer and policy. Eligibility, premiums and coverage depend on underwriting and policy terms.
THE PURPOSE BEHIND THE POLICY
Protection Is About
More Than a Policy.
Life insurance can help create financial protection for the people you love and provide resources for the responsibilities and opportunities you want your family to carry forward.
Protecting income. Supporting children. Preparing for retirement. Transferring wealth. Your strategy begins with what matters to you.
Start My Insurance ReviewINFORMED. NOT OVERWHELMED.
Your Questions.
Clear Answers.
Understanding your options starts with asking the right questions.
Let’s Talk About Your GoalsWhat is Indexed Universal Life insurance?
Indexed Universal Life is permanent life insurance that provides death-benefit protection and may accumulate cash value using one or more interest-crediting strategies tied to the performance of a market index.
Does an IUL invest my money directly in the stock market?
No. Indexed Universal Life insurance is an insurance product. The policy does not directly invest your cash value in the underlying market index.
Can I lose money in an IUL?
An indexed account may have a stated crediting floor, but that does not mean the overall policy cannot lose value. Insurance charges, fees, withdrawals, loans and insufficient funding can reduce policy values or cause a policy to lapse.
Is an IUL guaranteed to provide retirement income?
No. Non-guaranteed policy values depend on several assumptions and may differ from illustrated results. Any retirement-related strategy should be evaluated using the actual policy illustration and your individual financial circumstances.
Are policy loans tax-free?
Life insurance policies can receive favorable tax treatment under current law, but tax treatment depends on individual circumstances and how the policy is structured and maintained. Policy loans and withdrawals may have tax consequences, particularly if a policy lapses, is surrendered or becomes a Modified Endowment Contract. Consumers should consult their tax professional regarding their specific situation.
How much does an IUL cost?
Cost depends on factors including age, health, coverage amount, policy design, underwriting classification and funding strategy.
Do I have to purchase something after requesting information?
No. Requesting information creates no obligation to purchase insurance.
Will I have to complete underwriting?
Insurance availability and underwriting requirements depend upon the carrier, policy and coverage amount.
Insurance Disclosure
GE Insurance Agency provides information regarding insurance products offered through licensed insurance professionals. Insurance products are subject to eligibility, underwriting requirements, policy provisions and availability within the applicant’s state.
Indexed Universal Life insurance includes insurance costs and other policy charges. Index performance does not represent direct investment in an index or securities market. Illustrations contain both guaranteed and non-guaranteed elements, and actual policy performance may differ from illustrated values.
Withdrawals and policy loans reduce available cash value and death benefits and may cause a policy to lapse. Policy loans generally accrue interest. A lapse or surrender of a policy with an outstanding loan may result in tax consequences.
GE Insurance Agency does not provide individualized legal or tax advice. Consumers should consult qualified legal, tax and financial professionals regarding their individual circumstances.