Who should consider LifeCrest Index?
Ideal clients may include those in the middle market, ages 30-50, looking for a lifetime no-lapse guarantee and cash accumulation, particularly with the upside potential of an indexed product.
The product has a return of premium feature and an income bonus and may be a good fit for clients looking for simplicity in an indexed universal life insurance product.
LifeCrest Index Benefits
- Lifetime no-lapse guarantee 1
- Return of premium feature 2
- 5% income bonus when taken for period of 10 years or more 2
- Declared account interest rate guarantee of 4%
- Accelerated Benefit Payment Rider included at no additional cost
- Can provide up to a 50% advance of the death benefit if the Insured is diagnosed with a qualifying terminal illness 2
- Zero net cost loans