Product Comparison Charts
Understand the key differences between Fixed, Variable, and Indexed Life Insurance products. Visualize risk, growth potential, and tax advantages to make informed decisions.
Fixed Annuities
Guaranteed interest rates with zero market risk. Best for safety and predictable income.
Variable Products
Direct market participation. Highest growth potential but comes with risk of loss.
Indexed Universal Life
Upside potential linked to market indices with a 0% floor protection against losses.
Account Value Over Time (Hypothetical)
Comparing steady fixed growth, volatile variable growth, and the "ratchet" effect of IUL.
Note: This chart illustrates the concept of "locking in gains." While variable accounts can drop when the market crashes (Years 10 & 25), IUL policies have a 0% floor, meaning you don't lose value due to market downturns, allowing for more efficient compounding recovery.
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