Life & Investments Experts in Atlanta

Indexed Universal Life Insurance

Universal Life may be the way to go if you are looking for a quick and secure way to build your retirement? Indexed. With interest rates that can average around 8% or higher, but that cannot go below 0%. You are looking at a financial vehicle that quickly can accumulate the cash value and build a good retirement tax-free income. America’s Insurance work with some of the largest and most recognized IUL companies in the world. See this short video clip on Indexed Universal Life.

State insurance departments regulate Index Universal Life which is a type of fixed universal life and insurance product. These financial vehicles are usually sold through insurance agents, banks and registered representatives. By contrast, indexed life usually provides a downside guarantee of 1% or less, but earns potentially higher upside interest crediting, based on the performance of an outside stock index (such as the Standard and Poor’s 500, a.k.a. S&P 500). Indexed life products have a floor of zero, so a consumer’s money is always protected from downturns in the market. However, indexed life also has upside interest crediting potential of 15% or more, Indexed Life Insurance is a moderately conservative interest-sensitive life insurance product.

Fixed Annuties

Fixed Annuities are regulated by state insurance departments and sold through insurance agents, banks, or registered representatives and with the purpose of preventing you of outliving your income, similar to Social Security, but with the difference that these are not being managed by the government. Fixed annuities pursuant to state insurance law will provide a minimum rate of interest as provided in the annuity policy. How the actual rate of interest is credited on the policy differentiates traditional fixed annuities from indexed annuities. Traditional fixed annuities pay interest on the premium contributed at a rate declared by the insurer in advance. This rate can never be less than the minimum guaranteed rate stated in the policy. Fixed annuities are a very conservative safe money place for retirement dollars. Fixed annuity interest rates are generated from a portfolio of US treasuries or other low risk, fixed income instruments. This short video clip helps you with better under-standing Annuties