Indexed Universal Life Insurance

Build Wealth While Protecting Your Loved Ones

Indexed Universal Life Insurance (IUL) offers the best of both worlds — permanent life insurance protection combined with the opportunity to grow cash value based on the performance of popular market indexes like the S&P 500® — without directly investing in the market.

With an IUL policy from Fidelity & Guaranty Life (F&G), you can:

Provide lifetime protection for your family or business.
Access funds if you face a serious illness (Living Benefits).
Accumulate cash value for retirement, emergencies, or future opportunities.
Enjoy tax-advantaged growth over time.

Why Choose F&G Indexed Universal Life?

Guaranteed Minimum Interest – Even in down years, your policy earns a minimum of 0.25% interest annually.
Market-Linked Growth – Choose from a range of index crediting strategies to capture market potential — without exposing your cash value to losses.
Living Benefits Included – Access a portion of your policy’s death benefit early in the case of a qualifying illness.
Flexible Policy Design – Customize your plan with adjustable premiums, riders, and death benefit options.
No-Exam Options Available – Fast-track your approval — up to $1 million for qualifying applicants ages 0–60.

F&G Everlast® IUL

1. Ideal for long-term security and death benefit protection.

2. Coverage from ages 0–80 with face amounts starting at $100,000.

3. Growth potential with S&P 500® and Barclays Trailblazer Sectors 5 Index.

4. 15-year no-lapse guarantee, Living Benefit riders included.

F&G ExecuDex® IUL

1. Built for professionals and high-income earners.

2. Designed for ages 18–60, face amounts from $150,000–$1,000,000.

3. InstApproval®: Instant underwriting with no medical exam.

4. Bonus interest credited in years 11–30 with consistent policy funding.

5. Great for business planning, executive benefits, or wealth preservation

F&G Pathsetter® IUL

1. For those focused on accumulation and long-term flexibility.

2. Available from ages 0–80, with face amounts starting at $50,000.

3. 1% annual bonus from year 2, plus 0.25% persistency bonus starting in year 11.

4. Wide range of index options: - S&P 500®
- Barclays Trailblazer Sectors 5
- Morgan Stanley US Equity Allocator
- BlackRock Market Advantage Index

Real-Life Uses of IUL

Family Protection – Ensure your loved ones are covered, no matter what.
Retirement Income – Access cash value through tax-free policy loans.
Living Benefits Access – Use your policy in times of illness or disability.
Business Continuity – Fund buy-sell agreements or key-person coverage.

Living Benefits – Built into Every F&G IUL

All F&G Indexed Universal Life Insurance policies come with Living Benefits, at no extra cost, that allow early access to your policy’s death benefit in case of:

Terminal Illness – Life expectancy of 24 months or less.
Chronic Illness – Inability to perform 2 of 6 daily living activities.
Critical Illness – Includes conditions like heart attack, stroke, cancer, organ transplant.
Critical Injury – Includes coma, paralysis, traumatic brain injury.