CLA USA Products

Life Insurance

Fixed Index Universal Life

The fact that people are living longer is a good thing. The average life expectancy is 15 to 20 years past normal retirement age. What happens when your clients haven't saved enough for retirement? In addition, those clients that have saved enough are worried about outliving their savings. They need options, first for savings and second for weatlth preservation and transfer.

Fixed Index Universal Life (FIUL) insurance offers the flexibility of premiums and death benefits of Universal Life, along with the opportunity to grow it's cash value. Interest credited is tied to the index you choose, while the guaranteed minimum interest rate protects against downswings. Interest is tax deferred and can be converted into a tax free income at any time. The death benefit is also income tax free. Fixed Index Universal Life mirrors Traditional Universal Life with the opportunity for higher interest credits.

CLA USA Marketing provides you with access to the most competitive FIUL products and marketing resources to help you take advantage of all these products have to offer.