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Life Insurance Types Explained

Fixed Annuities

The money that is invested in the annuity is guaranteed to earn a fixed rate of return throughout the accumulation phase of the annuity (when money is being put into it). During the annuitization phase (when money is being paid out), the balance invested, minus payouts will continue to grow at this fixed rate.

Indexed Universal Life

An indexed universal life (IUL) allows the owner to allocate cash value amounts to either a fixed account or an equity index account. Policies offer a variety of well-known indexes such as the S&P 500 or the Nasdaq 100. ... IUL policies offer tax-deferred cash accumulation for retirement while maintaining a death benefit.

Accumulation Indexing Universal Life (AIUL) Or Infinite Banking 

Although participating whole life insurance is the preferred vehicle of a successful infinite banking system, it’s important to understand your primary goal isn’t the policy’s death benefit. Yes, you’re buying insurance, but the idea is to purchase the smallest death benefit possible while contributing the maximum-allowed amount by the IRS and retain tax advantages. You’re using insurance as your bank first and as an insurance policy second.

Living Benefits Life Insurance

Life insurance allows you, the policy owner, to build cash value through your life insurance policy that accumulates over your lifetime. This is considered a living benefit of life insurance because, in contrast to a death benefit that pays out when you pass away, you can use the money while you're still alive.

Term Life

Term life insurance, also known as pure life insurance, is life insurance that guarantees payment of a stated death benefit during a specified term. Once the term expires, the policyholder can either renew it for another term, convert the policy to permanent coverage, or allow the policy to terminate.

Whole Life

Whole life insurance, or whole of life assurance, sometimes called "straight life" or "ordinary life," is a life insurance policy that is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date.


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