Life Insurance Coverage Portfolio
Indexed Universal Life (IUL)
High-growth permanent life insurance with cash values linked to market indices (e.g. S&P 500) with a 0% guaranteed downside floor protection.
Regulated Rates from $75/mo
Licensed Counselor Included
Zero Brokerage Markups
Guaranteed Rate Lock
Starting at $75/mo
Or call toll-free: 1-800-555-OPTAVISE
Core Coverage Benefits & Protections
0% Guaranteed Floor: Your principal and gains are protected when the stock market declines
Indexed crediting potential linked to S&P 500 with attractive participation rates and caps
Tax-free retirement income generation through structured participating policy loans
Full permanent death benefit protection for your family and heirs
Living benefits for chronic, critical, and terminal illness care
Structured Plan Comparison Options
| Plan Level | Coverage Target | Living Benefits | Underwriting | Action |
|---|---|---|---|---|
| Standard SelectPure Protection | $100,000 – $250,000 | Terminal Illness | 24–48 Hr Simplified | |
| Preferred PlusMost Popular | $250,000 – $750,000 | Chronic & Disability Waiver | Instant Accelerated E-Sign | |
| Premier LifetimeMaximum Wealth Defense | $750,000 – $2,000,000+ | All Living Benefits + AD&D | Counselor Guided |
Available Policy Riders & Living Add-Ons
Chronic Illness Accelerated Living Benefit Rider
Guaranteed Minimum Accumulation Rider
Waiver of Specified Premium
Zero-Cost Wash Loan Provision
Instant Indexed Universal Life (IUL) Rate Check
Calculate regulated benchmark rates for your age.
Assigned Specialist
Sarah Jenkins
Senior Benefits Counselor
“Have questions on medical underwriting, pre-existing conditions, or state rate locks? I'm available for a free consultation.”