FINANCIAL CONCIERGE

IUL (INDEX UNIVERSAL LIFE INSURANCE): Multipurpose life insurance to suit your needs Index universal life (IUL) is permanent life insurance that provides a death benefit designed to give you and your loved ones peace of mind by providing options for replacement income, money to fund major expenses, and a financial legacy for your children or grandchildren. IULs also provide you with the power of choice when it comes to choosing index accounts and optional riders. ANNUITY: Whether you are considering continuing to grow your savings while reducing risk, creating a source of lifetime income or protecting and building a legacy for your loved ones, a fixed indexed annuity may help.