IUL Academy: Mastering your Indexed UL sales

Leverage the fastest-growing segment within today's insurance market

Indexed UL offers clients unique customer value compared to other life insurance products. Highlights include:

  • Cash value growth potential linked to performance of an index or indices (e.g. S&P 500 or Hang Seng)
  • Tax-deferred supplemental income potential as well as a smart solution for today’s estate-planning needs
  • Flexibility to customize a policy to your clients’ needs and add innovative living benefits
 

HancockTalks

3 Key Indexed UL Selling Points

Listen to this episode to learn why IUL has become so popular, hear key tips that can help make the IUL sale, and learn about the tools available to help manage IUL policy performance.

 
 

Hancock Talks is now available on Apple Podcasts and Google Play! 
Use the “Podcast app” on your mobile device, search for “Hancock Talks,” and click subscribe.

 

John Hancock IUL Rate Calculator

Select the options below and see a sampling of how John Hancock's Indexed UL products can help meet your client's death benefit protection and retirement income needs.**

Making the sale

Leverage the power that indexed UL can offer to grow your sales and better meet your clients’ needs throughout their lifetime. 

 

Illustration tips

Maximize policy design using these helpful illustration tips.

 

See an example of how it works

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Mastering Indexed UL Sales Presentations:

Download our IUL educational presentations to deepen your product knowledge and help expand your IUL sales today!  

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For more information about Indexed UL, contact us 888-266-7498, option 2 or fill out the form below.

 

**The Index Account options may not be available on all products or in all jurisdictions. The Base Index Account options (Base Capped Index Account and Base High Par Index Account) are the only index account options available for new policies issued in New York. Please consult each product’s producer guide for index account availability.

1. Loans and withdrawals will reduce the death benefit and cash surrender value, and may cause the policy to lapse. Lapse or surrender of a policy with a loan may cause the recognition of taxable income. Withdrawals in excess of the cost basis (premiums paid) will be subject to tax, and certain withdrawals within the first 15 years may be subject to recapture tax. Additionally, policies classified as Modified Endowment Contracts may be subject to tax when a loan or withdrawal is made. A federal tax penalty of 10% may also apply if the loan or withdrawal is taken prior to age 59½. Withdrawals are available after the first policy year.  Index loans and Fixed indexed loans are available after the third policy year.

2. Life insurance death benefit proceeds are generally excludable from the beneficiary’s gross income for income tax purposes. There are few exceptions such as when a life insurance policy has been transferred for valuable consideration. Comments on taxation are based on John Hancock’s understanding of current tax law, which is subject to change.

Standard & Poor’s®, S&P®, S&P 500®, Standard & Poor’s 500 and 500 are trademarks of Standard and Poor’s Financial Services LLC, a subsidiary of The McGraw-Hill Companies, Inc. Hang Seng Index®is a trademark of Hang Seng Data Services Limited. John Hancock has been licensed to use the trademarks of S&P and Hang Seng Index (collectively, the "Indices"). Products are not sponsored, endorsed, sold or promoted by the licensors of the indices and they make no representation regarding the advisability of purchasing Products. You cannot invest directly in the Indices.


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