Why Agents Use Quotify for IUL
IUL quoting made simple. Compare carriers, features, and premiums in seconds.
Index Performance Comparison
Compare products with different index options including S&P 500, hybrid indexes, and fixed account alternatives.
Downside Protection
Show clients how 0% floor protection works. Their cash value grows with the market but never loses to market downturns.
Cash Value Accumulation
Illustrate tax-advantaged wealth building. IUL cash value grows tax-deferred with tax-free access via policy loans.
Premium Flexibility
Quote flexible premium options. Show clients minimum, target, and maximum premium scenarios.
Death Benefit Options
Compare level and increasing death benefit options. Help clients choose the right structure for their needs.
Living Benefits
Many IUL products include accelerated death benefits for chronic, critical, and terminal illness.
How Indexed Universal Life Works
The perfect balance of growth potential and protection.
Premium Payment
Flexible premiums fund your policy. A portion covers insurance costs, the rest goes to cash value.
Index Crediting
Cash value earns interest based on index performance, subject to caps and participation rates. 0% floor protects from losses.
Tax-Free Access
Access cash value through tax-free policy loans. Use for retirement income, emergencies, or opportunities.
Frequently Asked Questions
What is Indexed Universal Life (IUL) insurance?
IUL is a type of permanent life insurance that builds cash value based on the performance of a market index (like the S&P 500). It offers upside potential with downside protection—your cash value can grow when markets rise but is protected from losses when markets fall.
How does Quotify help agents quote IUL?
Quotify lets you compare IUL products across multiple carriers instantly. See target premiums, death benefits, and carrier features side by side. Focus on finding the right product for your client instead of running illustrations one at a time.
What IUL carriers does Quotify support?
Quotify supports leading IUL carriers including major names in the indexed life space. Compare products with different index options, cap rates, and participation rates to find the best fit for your client's goals.