Indexed Universal Life Policy Purchase Checklist

Indexed universal life insurance is a complicated product with segment rate, expense, and mortality risk. The biggest mistakes we see with indexed policies pertain to crediting rates: policies illustrated at rates that cannot be substantiated. Be sure to request the rationale used to determine the policy-crediting rate illustrated. As with universal life insurance, the most common problems we see are policies not performing as projected, which generally means that the policy will lapse prior to the insured’s death.

The answers to the questions on this checklist will help determine whether an indexed universal life policy will perform as projected and whether it will meet your needs. 


Indexed Universal Life Policy Purchase Checklist

Use this form to log information regarding your prospective Indexed Universal Life Insurance Policy. After completing the forms, click the button below to complete your questionnaire. Your notes will automatically forward to the email address you've provided.
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