A blended strategy pairing Term Life and Indexed Universal Life to deliver a high death benefit for a lower monthly cost, while building permanent, lifelong coverage and cash value along the way.
Columbus Life IUL
Symetra Term Life
Columbus Life IUL
Both policies let you access the death benefit while you're still alive if you're diagnosed with a qualifying illness. Three pieces, one benefit:
Qualifying conditions and payout amounts are defined by each carrier's contract. This is a general overview, not a complete list.
The cash value inside the IUL isn't locked away for one purpose — it's yours to use for anything, anytime.
Withdrawals and loans reduce the death benefit and cash value if not repaid. There's no restriction on what the money is used for.
The index (grey) moves up and down like the market always does. Your policy value (red) only moves one direction — every time the index sets a new high, your value locks in and steps up to match. When the index dips, your value just holds flat.
Every red step is a gain that's locked in for good — once your value moves up, it never comes back down because of a market drop. The trade-off: a cap limits how big a single step up can be.
Simplified illustrative example, not tied to actual index values. In real terms, this is the same reason the S&P 500's worst years — 2008 (‑37%), 2018 (‑4%), 2022 (‑18%) — would have cost an indexed policy nothing. Caps and crediting terms vary by carrier and are not guaranteed.
A loan isn't a withdrawal. Here's the same $50,000 and the same $20,000 taken out — once in a stock account, once as an IUL policy loan.
Hypothetical example at a 10% illustrative growth rate, not guaranteed. The $20,000 loan is still owed and accrues interest — if it's not repaid, it (plus interest) comes out of the death benefit. Loan provisions vary by carrier — always confirm the exact terms in the contract.
Presented by NxtGen Equity · Santa Ana, CA — figures are illustrative and subject to underwriting and carrier approval.