Indexed Second To Die Universal Life
The Aviva Survivorship Builder IUL is a second-to-die Universal Life Insurance policy with an Index linking crediting feature. Aviva has combined the solid guarantees of a survivor policy with the innovation of our indexed products. It provides the coverage needed with flexibility and is specifically designed for people with sophisticated financial and insurance needs.
“a very efficient and cost effective way to help your clients contend with estate tax issues”
Paying estate taxes isn’t the only use for a survivor policy. It can be used for a variety of purposes:
- Related business partners
- Non-related business partners
- Grandparents who want to leave a significant legacy to a grandchild
- Couples with children from previous marriages
- Same-gender couples
- People who need tax-advantaged supplemental retirement income
- Parents with special needs children
- Individuals with 'tax-heavy' assets such as IRAs and nonqualified annuities, in situations where their original needs have changed
- Couples who need guaranteed lifetime survivorship coverage
- People who want to leave legacies to family, friends, AND charities
Aviva is pleased to offer our Survivorship Builder as another valuable indexed life insurance alternative.
Product Features:
- A last survivor life insurance policy that insures two lives and pays the death benefit upon the second death
- First Survivor Premium Rider that provides a death benefit after the first insured passes away
- An optional No-Lapse Guarantee Rider that can ensure a guaranteed death benefit and/or a guaranteed premium payment period
- Flexible premium payments and death benefit options
- Index linked interest crediting options that include a guaranteed minimum interest rate while providing the potential for greater interest crediting than most traditional universal life insurance products
- An array of riders to customize the policy
- Access to cash value via policy loans and withdrawals (loans and withdrawals will impact the No-Lapse Guarantee provisions; tax consequences and/or surrender charges could also apply)
Issue Ages
20-90 (One of the insureds must be age 85 or younger)
$250,000 Minimum Face
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