4700 Millenia Boulevard Suite 175. Orlando, FL 32839
Indexed
Universal Life
Indexed Universal Life Insurance (IUL) is a type of permanent life insurance that combines elements of traditional universal life insurance with the potential for cash value growth linked to the performance of a stock market index, such as the S&P 500. It is a complex insurance product that provides both a death benefit and a cash value component.
The Best Of Both Worlds
An IUL allows you the peace of mind that comes with a tradition Life Insurance Plan while also grow as a cash value asset – similar to having an exponentially growing bank account. Did we mention tax-free withdrawals?
Invest In Your Future
Since 2020, we have been providing individuals and families with life protection coverage. Our mission is to you. We want to make sure you are living a life full of health and happiness!
Finding A Solution How It Works
Let us help you find the best possible plan for your situation because you deserve it!
Achieve Exponential Growth
With HIG Experts to guide you, let us point you in the direction of finding a Life Insurance policy that protects your assets. Our specialized systems have helped over 10,000 individuals and families find coverage that suits their needs.
Safeguard Your Assets
You’ve spent your whole life building a life for your family. It’s probably smart to protect all of your hard work.Â
Enrich Your Future
With a robust Life Insurance plan, you can protect your assets, grow your cash value, and most importantly, live with a Peace of Mind knowing your family is protected in the future!
A (powerful) little secret.
With HIG Experts on you team, you can set up your future with a Peace of Mind.
Your Experts will be here to help safeguard what you’ve built over a lifetime. Protect what matters most – and increase your cash value – by finding the right policy. We promise we won’t come knocking for a percentage. 🙂
Still Have Questions?
? What is life insurance?
Life insurance is a contract between an individual (policyholder) and an insurance company. In exchange for regular premium payments, the insurance company provides a financial payout to the designated beneficiaries upon the policyholder's death.
? Why do I need life insurance?
Life insurance is crucial if you have dependents who rely on your income. It ensures that your loved ones are financially protected in case of your untimely demise, covering expenses such as mortgage, education, debt, and daily living costs.
? What are the different types of life insurance?
There are several types of life insurance, including term life insurance (provides coverage for a specific term), whole life insurance (covers you for your entire life), universal life insurance (flexible and offers a cash value component), and variable life insurance (allows you to invest the cash value).
? How much coverage do I need?
The appropriate coverage amount depends on your individual circumstances, such as your income, debts, future financial obligations, and the number of dependents. Generally, it's recommended to have coverage worth at least 5 to 10 times your annual income.
? What is a beneficiary?
A beneficiary is the person or entity you designate to receive the death benefit from your life insurance policy upon your passing. After you pay your deductible, you usually pay only a copayment or coinsurance for covered services. Your insurance company pays the rest. Generally, plans with lower monthly premiums have higher deductibles.
? Can I have multiple life insurance policies?
Yes, it's possible to have multiple life insurance policies. Some individuals choose to combine term and permanent life insurance for comprehensive coverage.
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Your Future Starts
Right Here!
Your protected future starts here. Customize a a Life Insurance plan that works specifically
for your needs.
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