Indexed universal life (IUL)
Family protection, liquidity, and succession in a hard currency, with a U.S. insurer specialized in international clients. Boutique service, led by an insurance agent licensed by the Florida Department of Financial Services.
IUL brings together in one contract what usually takes several products: protection in dollars, a value that accrues, liquidity during life, tax efficiency, and an organized estate. That's why it sits at the center of a wealth protection strategy.
We work with a U.S. insurer specialized in international clients, with dollar policies for non-residents, aimed mainly at high-income clients. Before any proposal, we review eligibility and the rules of your country of residence with you.
Your goal, your family, your residence, and your wealth.
Coverage amount, premium schedule, beneficiaries, and future use of the policy value.
The insurer's medical and financial review, usually 45 to 90 days.
Periodic review of the policy and the family's plans, with the same advisor.
No. IUL is a life insurance contract. Policy value may accrue based on market indexes, within limits and a floor set in the contract, and can be used during life. But it remains insurance, with policy charges.
There may be a path, depending on the case. We work with a U.S. insurer specialized in international clients, with products for non-residents, aimed mainly at high-income clients. Eligibility and the rules of your country of residence are reviewed before any proposal.
You borrow from the insurer using the accrued value as collateral, with no bank credit check. The loan bears interest; any unpaid balance is deducted from the death benefit and, if the policy value is not enough, the policy can lapse. That's why its use is planned with you.
For U.S. taxpayers, U.S. law gives life insurance favorable treatment: policy value grows tax-deferred, and the death benefit and policy loans are, as a rule, not taxed as income. In some business arrangements, amounts paid by the company may be deductible. For residents of other countries, local law also applies. Each case is reviewed with tax advisors.
In Florida, state law protects the cash value and, as a rule, the death benefit of policies owned by state residents from creditors (Florida Statutes, sections 222.13 and 222.14), with exceptions provided by law. Other states and countries have different rules.
It depends on age, health, coverage amount, and goal. The proposal is designed for your case after the first conversation and is subject to the insurer's underwriting.
IUL is a life insurance contract, not a financial investment. Guaranteed values, where they exist, are subject to the policy terms. Policy loans bear interest and reduce the death benefit if unpaid. Tax treatment depends on each person's tax residence. Scenarios shown in meetings are illustrative, and past index performance does not guarantee future results. Insurance is subject to the insurer's underwriting.
The first conversation is private and reviews your goal, eligibility, and what makes sense for your family.