IUL Instant Decision

IUL Policy Features

Instant Approval

Get quick approval for your IUL policy without lengthy paperwork or delays.

Flexible Options

Choose from various coverage amounts and premium payment options to suit your needs.

Enjoy potential cash value growth and death benefit protection with our IUL policy.

Cash Value Growth

IUL Instant Decision Policy

Who It’s For?

• Adults 18–65 who want lifelong life insurance

• People who want coverage + savings growth in one plan

• Those who don’t want to mess with medical exams or lab work

What It Is?

Think of this as two things in one policy:

1. Life Insurance – your family gets money if you pass away.

2. Cash Value Growth – your policy builds a savings account that can grow based on the S&P 500® stock index (but without market loss risk).

Why Do People Like It?

• Fast approval – online application, no exams, no needles, no waiting.

• Flexible – you can adjust premiums and benefits later.

• Cash you can use – borrow against your policy or take money out if needed.

• Built-in protection – extra benefits (riders) included at no cost.

Coverage & Costs (Simple Snapshot)

• Coverage amounts: $50,000 – $450,000

• Issue ages: 18–65

• Risk classes: Non-Nicotine / Nicotine

• Monthly policy charge: About $5–$7 (plus normal cost of insurance)

• Premium flexibility: Pay more to grow cash value, pay minimum to keep coverage

Your Money Inside the Policy

• Cash value grows with the S&P 500® (up to a cap or participation rate)

• Guaranteed 0% minimum on indexed accounts (so you won’t lose money if the market drops)

• Declared account always earns at least 2% minimum

• You can switch between accounts each year

Using Your Money (Loans & Withdrawals)

• Policy Loans

  • Standard Loan: Borrow at 4% (first 10 years), then 2%

  • Index Loan: Borrow up to 8%, but your money can still earn index growth

• Partial Withdrawals

  • Available after year 1

  • Minimum: $500, one per year

  • Reduces your coverage

Extra Protection – Riders (Included FREE)

No-Lapse Guarantee

• If something serious happens, you can get money while you’re still alive:

  1. Critical Illness Rider – Pays if you have a major health event like cancer, heart attack, stroke, or organ failure.

  2. Chronic Illness Rider – Pays if you can’t take care of yourself (need help with daily activities or have memory issues).

  3. Terminal Illness Rider – Pays if you’re told you have 12 months or less to live.

• As long as you pay at least the minimum premium, your policy cannot lapse for 5 years – even if the cash value drops.

Simple Approval

• No medical exams

• No labs

• Just an online application with instant decision

• Prescription history and basic health questions checked

Things to Know

• Surrender charges apply if you cancel in the first 14 years

• Can reinstate within 3 years if policy lapses (with proof and back premiums)

• Internal replacements (switching another Americo policy) not allowed

This IUL gives you lifelong protection, cash growth tied to the market, and living benefits you can use if life throws you a curveball — all with no needles, no waiting, no hassle.

Contact Us

Get in touch to learn about IUL instant decision policies.