指数型万能寿险 (IUL)
Build wealth with market upside potential and downside protection. IUL combines life insurance protection with tax-advantaged cash value growth.
在市场上涨时获得收益潜力,下跌时享受保护。IUL将人寿保险保障与税收优惠的现金价值增长相结合。
为什么选择IUL?
零底线保护
Your cash value is protected with a 0% floor - you never lose money even when the market goes down.
现金价值受0%底线保护 - 即使市场下跌也不会亏损本金。
市场上涨潜力
Participate in market gains through index-linked interest crediting tied to S&P 500 and other indices.
通过与标普500等指数挂钩的利息计入方式,参与市场增长。
税收递延增长
Build wealth with tax-deferred cash value accumulation, similar to a 401(k) but with more flexibility.
通过税收递延的现金价值积累建立财富,类似401(k)但更灵活。
生前福利
Access your death benefit while alive for qualifying events like critical illness or long-term care needs.
在重大疾病或长期护理等符合条件的情况下,可在生前使用身故赔偿金。
灵活保费
Adjust your premiums and death benefit as your life circumstances change over time.
随着生活状况的变化,可调整保费和身故赔偿金额。
多种策略
Choose from various index strategies and change them anytime to match your risk tolerance.
从多种指数策略中选择,并可随时更改以匹配您的风险承受能力。
我们的可信赖合作伙伴
Zero percent floor on all products
所有产品均有零底线保护
Multiple index strategies including volatility-controlled options
多种指数策略,包括波动率控制选项
Comprehensive Living Benefits riders
全面的生前福利附加险
Systematic Allocation Rider for premium spreading
系统分配附加险用于保费分散
Max Accumulator+ for maximum cash accumulation
Max Accumulator+专注于最大化现金积累
Flexible premium and death benefit adjustments
灵活的保费和身故赔偿金调整
Strong financial backing from AIG
AIG强大的财务支持
Retirement planning integration
退休规划整合
真实成功案例
年轻专业人士财富积累
Client Profile
Age 35, $100,000 annual income, married with 2 children
35岁,年收入10万美元,已婚,2个孩子
FlexLife IUL with $500,000 death benefit and $1,000/month premium
FlexLife IUL,50万美元身故赔偿金,每月1000美元保费
Life insurance protection for family
为家庭提供人寿保险保障
Tax-deferred cash value growth averaging 6-8% annually
税收递延现金价值年均增长6-8%
Access to cash value for children's education or emergencies
可用现金价值支付子女教育或应急
Living Benefits for critical illness protection
重大疾病保护的生前福利
企业主最大化税收优势
Client Profile
Age 45, $250,000 annual income, maxed out 401(k)
45岁,年收入25万美元,401(k)已达上限
Max Accumulator+ with $1,000,000 death benefit and $3,000/month premium
Max Accumulator+,100万美元身故赔偿金,每月3000美元保费
Additional tax-advantaged retirement savings beyond 401(k)
401(k)之外的额外税收优惠退休储蓄
No contribution limits like traditional retirement accounts
无传统退休账户的缴款限制
Tax-free policy loans for supplemental retirement income
免税保单贷款用于补充退休收入
Estate planning benefits for wealth transfer
财富转移的遗产规划优势
IUL如何运作
市场上涨时
Your cash value is credited with interest based on the index performance, subject to a cap (typically 6-12%). If the S&P 500 gains 15% and your cap is 10%, you earn 10%.
根据指数表现计入利息,受上限限制(通常为6-12%)。如果标普500上涨15%而您的上限是10%,您将获得10%的收益。
市场下跌时
Your cash value is protected with a 0% floor. Even if the market drops 20%, you don't lose any principal. Your account simply earns 0% for that period.
您的现金价值受0%底线保护。即使市场下跌20%,您也不会损失本金。该期间您的账户仅获得0%收益。
常见问题
IUL比401(k)更好吗?
IUL and 401(k) serve different purposes. A 401(k) is primarily for retirement savings with contribution limits. IUL offers life insurance protection PLUS tax-deferred growth with no contribution limits, making it an excellent complement to your 401(k), especially if you've maxed out your retirement accounts.
IUL和401(k)服务于不同目的。401(k)主要用于退休储蓄且有缴款限制。IUL提供人寿保险保障加上无缴款限制的税收递延增长, 是401(k)的绝佳补充,特别是当您已达到退休账户上限时。
如何使用现金价值?
You can access your cash value through tax-free policy loans or withdrawals. Policy loans don't require credit checks or approval, and you're not required to pay them back (though unpaid loans reduce the death benefit). This makes IUL ideal for supplemental retirement income or emergency funds.
您可以通过免税保单贷款或提取来使用现金价值。保单贷款无需信用检查或批准,也不要求偿还(但未偿还的贷款会减少身故赔偿金)。 这使IUL成为补充退休收入或应急资金的理想选择。
如果我停止支付保费会怎样?
IUL offers flexibility. If you've built sufficient cash value, your policy can remain in force using the accumulated cash value to cover costs. You can also reduce the death benefit to lower costs, or make the policy "paid-up" so no further premiums are required. This flexibility is a key advantage of universal life insurance.
IUL提供灵活性。如果您已积累足够的现金价值,保单可以使用累积的现金价值来支付费用而保持有效。您还可以降低身故赔偿金以减少费用, 或使保单"缴清"从而无需进一步支付保费。这种灵活性是万能寿险的关键优势。
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* Estimates are for illustration purposes only. Actual premiums may vary.