Permanent Death Benefit

Permanent Death Benefit in life insurance, particularly in Indexed Universal Life (IUL) policies, is the guaranteed payout to beneficiaries upon the policyholder's demise, independent of the performance of the underlying index-linked investments. Key features:

• Guaranteed Payout: Ensures a certain amount is paid to beneficiaries.
• Lifelong Coverage: Valid as long as premiums are paid, covering the insured's entire life.
• Flexibility and Growth Potential: Can be adjusted according to needs and may increase over time through dividends or interest crediting, while always maintaining a minimum guaranteed amount.

This benefit offers enduring security for beneficiaries, providing a reliable and potentially increasing death benefit.