IUL INSURANCE
ALL-PURPOSE
LIFE INSURANCE
Protect your family and secure your retirement with just ONE IUL policy. All benefits are paid 100% tax free. Special and unique product. Don’t miss it!
IUL INSURANCE
ALL-PURPOSE
LIFE INSURANCE
Protect your family and secure your reitirement with just ONE IUL policy. All benefits are paid 100% tax-free. Special and unique product. Don’t miss it!
Join 1500+ happy clients who have protected their families and secured their retirement with IUL insurance. Read what they had to say ...
What’s not to love??? I purchased my IUL policy 7 years ago, and I just increased the coverage. By age 65, I’ll have hundreds of thousands of dollars for my retirement. If I die, my family will receive hundreds of thousands of dollars to live on. Neither I nor my family will pay taxes on any payments we receive. It’s fantastic.
Uoonisure is my insurance agency. I have been with the agency for 7 years, and I own a few policies. They have never disappointed me. Their agents are always prompt and professional. I have recommended the agency to 3 of my family members, and I'll do so again. It’s a great place to buy life insurance and IUL.
IUL is life insurance you can use. I used to have a problem with life insurance. I didn’t like the fact that you couldn’t use your life insurance policy while you are still alive. Then, a friend recommended IUL to me, and I was totally sold. It is my kind of life insurance; I can use my policy while I’m alive. And I love it for that reason.
How IUL insurance can help you protect your family and secure your retirement with just one policy
Guaranteed Death Benefit
This cash payment will provide financial security for your family if something happens to you.
Cash Value Accumulation
Your policy's cash accumulation of hundreds of thousands of dollars will support your retirement and other needs.
Long-Term Care Benefits
IUL long-term care benefits will protect your health in your later years if you have terminal, chronic, or critical illness.
Lifetime Permanent Coverage
You'll never lose life insurance coverage for the rest of your life if you pay your premiums. Guaranteed.
100% Income Tax-Free Benefit
Neither you nor your family will pay taxes on your policy proceeds. This protects your wealth from Uncle Sam.
Guaranteed Protection Against Market Losses
You are protected when the stock market is DOWN. However, you'll share in the gains when the market is UP.
Accumulation IUL With IUL Quote/Example. See The Numbers For Yourself.
Numbers don’t lie, do they? Here is an example of how much growth an IUL policy offers. This is an illustration for a 35-year-old female (named Jane W) with 2 kids for $1 million. Jane wants to build an inheritance for her 2 kids and accumulate cash for retirement.
As you can see in the summary of coverages on the right, Jane’s policy is projected to accumulate enough cash for her to accomplish her goals and more. See the underlined numbers in the chart. That’s the power of IUL insurance. It works for Jane; it’ll work for you as well if you set up an IUL account today.
As you can see in the summary of coverages above, Jane’s policy is projected to accumulate enough cash for her to accomplish her goals and more. See the underlined numbers in the chart above. That’s the power of IUL insurance. It works for Jane, and it’ll work for you as well if you set up an IUL account today.
The Uoonisure Difference!
- 100% satisfaction guarantee
- Total commitment to your financial goals
- 50 years of combined experience in life and IUL insurance
- Total commitment to our fiduciary responsibilities to our clients
- We work for you, not the insurance companies
- 100% free service to you and your family; there's never a fee!
- Licensed in 15 states and counting
Uoonisure AG Customer Reviews
My experience with Chima at Uoonisure was by far the best customer service I’ve received in a while. He was professional, patient, and incredibly helpful—going above and beyond to make sure all my concerns were addressed. Chima truly made a lasting impression on me, and I’m grateful for the exceptional service he provided.
Setting Up An IUL Account Today
You may be eligible for an IUL policy today if you are 25 – 60 years old, can afford at least $200 monthly premium, and you are in fairly good health. Here’s how it works.
- Choose your coverage. Coverage starts at $100K to $10 million.
- Choose your beneficiary. Beneficiary's info like age, SSN, phone number, ... will be needed.
- Know your health. Be able to answer a few basic questions about your health.
- Fill out our short intake form. It's a one-page form for you to provide basic info about you, your occupation, and income.
- Book an appointment to speak with an agent.
- We'll assign your request to an agent, and your agent will shop for the right plan for you.
- During your meeting, your agent will go over your proposed plan with you. He or she will also answer your questions as well.
IUL Frequently Asked Questions (FAQ)
What is IUL insurance?
IUL insurance is a permanent life insurance that offers both death and cash value accumulation. The death benefit is paid to the policy’s beneficiary after the insured passes away. The accumulated cash in the policy’s cash value is for the insured to use while he/she is still alive.
How does it work?
IUL is a permanent life insurance and, like all life insurance products, it is designed for long-term needs. So, there are two reasons why people buy IUL insurance: 1) To protect their families in case they die unexpectedly. 2) To generate tax-free cash for use later in life for any financial needs.
What are IUL benefits?
There are several attractive IUL benefits like financial protection (death benefit), cash accumulation, long-term care benefits, lifetime coverage, tax-free benefits, and more.
Who should buy IUL?
IUL insurance is designed for people who have long-term needs like inheritance, retirement savings, long-term care protection, mortgage protection, college education fund, etc.
What should I consider before buying IUL insurance?
The most important thing you should know before buying IUL insurance is that IUL is for the long-term. You may have to pay premiums for the rest of your life if you are blessed with long life. Also know that IUL benefits (pros) stated above far outweigh the long-term nature of the product (cons).
Are there any risks associated with IUL insurance?
There’s very little risks, if any, associated with IUL insurance. IUL premiums are never invested directly in the stock market, so you can’t lose your principal or interest earned due to stock market downturns.
How does IUL cash value work?
IUL cash value is the savings component inside an IUL policy. It’s like equity in your house/home. It grows over time. It’s common to see an IUL cash value accumulate hundreds of thousands of dollars over time. As a policyowner, you can access this accumulated cash in your cash value account via policy loans or direct withdrawals.
Do IUL insurance pay annual dividends?
No. IUL is not invested directly in the stock market so no dividends are paid or earned. Yes, IUL does not pay annual dividends.
Are IUL benefits really tax-free?
Yes. All life insurance benefits are paid 100% federal income tax-free.
How do I get started?
Getting started is easy. Click on the “Pre-Qualify Now” button. Fill out our short intake form, and click “Submit” to submit the form. Next, schedule a call back from one of our agents. Your agent will call you at that time to go over the plan he/she recommends for you. He/she will also answer any questions you may have.