Life Insurance - Are You Looking for Protection and Growth - Pri (Turnersville, KY)

Life Insurance - Are You Looking for Protection and Growth - Pri

Find both with Indexed Universal Life InsuranceOffering opportunity with security. Like traditional universal life insurance indexed universal life insurance provides a way to help protect your family s financial future in the case of your death. But it goes one step further. With an indexed account that s tied to upside changes in a particular stock market index-such as the S& P 500 your cash value could grow at a potentially faster rate than would be possible with fixed universal life insurance. This can help you pursue your retirement and financial goals while preserving your principal. Meanwhile you may be protected from downside market risk if the policy has a built-in annual floor. Adjusting to meet your needs. With two different accounts working for you you can tailor your policy to fit your needs. When you make a premium payment you decide whether you d like the cash value placed in your fixed account your indexed account or a combination of the two. And if your goals or risk tolerance should change you have the ability to adjust your allocations as you see fit. Indexed Account The indexed account credits interest using a calculation tied to the performance of a particular stock market index generally subject to an annual cap. And while this account s interest may fluctuate more than the fixed account it may be an attractive long-term option because of the upside potential of the equity market. In addition your policy may include a guarantee that your interest rate won t go below 0%. Fixed Account On the other hand your fixed account provides ready access to a lower-risk option. This account accumulates value at a declared and guaranteed minimum interest rate with opportunity for a higher rate based on the insurer s crediting policy. Please note that one cannot invest directly in an index. Allocations subject to specific terms and conditions of the policy. Generally any amount deducted from an indexed segment between the investment date and the indexed segment s maturity date due to a partial surrender face amount decrease policy loan or monthly deduction will not receive the interest that might have been credited had such deductions not occurred. Fixed life insurance products are issued by the selected insurer. All guarantees are based on the claims-paying ability of the selected insurer. There is no direct contractual relationship between you and the selected insurer.This information is provided for general education purposes by Frederick J. Wood Life Insurance and is not intended to provide legal tax or investment advice. Standard & Poor s S& P S& P 500 and Standard & Poor s 500 are trademarks of The McGraw- Hill Companies lnc and have been licensed for use by the selected insurer. Products are not sponsored endorsed sold or promoted by Standard & Poor s and Standard & Poor s makes no representation regarding the advisability of purchasing these products. For more information please Contact Fred WoodFrederick J. Wood Life InsuranceToll Free (877) 215-3812www.frederickjwood.comNJ Banking & Insurance License Number 9720732Florida Department of Financial Services Insurance License Number W140058