Index Universal Life Insurance

The living insurance solution to be your own bank, secure your dignity, and empower your estate today, and tomorrow.

Index Universal Life Insurance

The living insurance solution to be your own bank, secure your dignity, and empower your estate today, and tomorrow.

Index Universal

Life Insurance

The most comprehensive financial vehicle to take control of your wealth, live with dignity, and empower your beneficiaries.

White-glove
Service

Simplify your life insurance search and design the right policy with a knowledgeable and reputable broker at your side.

premier
Carriers

Access the nation’s best insurance policies and carrier solutions while custom tailoring your powerful financial vehicle.

unique
Coverage

Your needs are unique and so is your policy. Together we will underwrite solutions for your age, health, wealth and individual goals.

Peace of mind for Proactive Families & Individuals

We take pride in helping you design life insurance solutions to thrive today, maintain dignity during your golden years, and empower your beneficiaries for tomorrow. Indexed Universal Life Insurance is not for everyone, but if you qualify, IUL is the most powerful financial vehicle available.

  • Discuss current and future lifestyle

  • Assess your needs based solution
  • Partner with the nation’s top insurance carriers

Peace of mind for Proactive Families & Individuals

We take pride in helping you design life insurance solutions to thrive today, maintain dignity during your golden years, and empower your beneficiaries for tomorrow. Indexed Universal Life Insurance is not for everyone, but if you qualify, IUL is the most powerful financial vehicle available.

  • Discuss current and future lifestyle

  • Assess your needs based solution
  • Partner with the nation’s top insurance carriers

Thrive While Alive

The power to be your own bank, take advantage of stock market growth, and simultaneously protect your assets against down years in the market with IUL’s guaranteed rate of growth.

Maintain Dignity

Leverage an IUL benefit access rider to maintain control of your dignity, and lifestyle, during your golden years following the diagnosis of a chronic or terminal illness.

Maintain Dignity

Leverage an IUL benefit access rider to maintain control of your dignity, and lifestyle, during your golden years following the diagnosis of a chronic or terminal illness.

Empower your Estate

Provide empowerment and solutions for your beneficiaries with a tax-free payment they can use to benefit your family, improve their lifestyle, or further their mission as a nonprofit.

Client Testimonials

At ZRM Brokerage, we’re committed to providing our clients with white-glove customer service and support. Hear from our satisfied customers and strategic professional partners:

Client Testimonials

At ZRM Brokerage, we’re committed to providing our clients with white glove customer service and support. Hear from our satisfied customers:

Index Universal Life Insurance

Work with ZRM Brokerage to simplify your search and find the best solution for your life insurance needs.

We look forward to helping you make informed decisions that protect you and your estate for years to come.

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Let us know how to help:

(914) 361 9854

Westchester Homeowners

Index Universal Life Insurance FAQ

  • Index Universal Life Insurance (IUL) is a type of permanent life insurance that provides a death benefit and a cash value component. The cash value is linked to the performance of a stock market index, such as the S&P 500 or the Nasdaq composite, which means it can grow faster than a traditional life insurance policy. However, it also has a floor and a cap, which limit the minimum and maximum interest rates that the cash value can earn.
  • An IUL policy can offer you several benefits, such as:
    • Lifelong protection for your family or beneficiaries
    • Tax-deferred growth of your cash value
    • Tax-free access to your cash value through loans or withdrawals
    • Flexibility to adjust your premium payments and death benefit
    • Potential to earn higher returns than other types of life insurance policies
    • Protection from market downturns with a guaranteed floor rate
  • The cost of an IUL policy depends on several factors, such as your age, health, gender, coverage amount, policy design, and the index or indexes you choose. Generally, an IUL policy is more expensive than a term life insurance policy, but less expensive than a whole life insurance policy. You can lower your cost by choosing a lower death benefit, paying higher premiums, or selecting a lower cap rate.
  • It is important to work with a trusted advisor at ZRM Brokerage to assure your policy is tailored to achieve your individual goals.
  • Choosing the best IUL policy for you requires careful planning and consultation with a qualified financial consultant. You should consider your financial goals, risk tolerance, time horizon, and budget. You should also compare different IUL policies from different insurers and read the policy illustrations carefully. Some of the features and factors you should look for are:
    • The index or indexes that match your risk and return preferences
    • The cap and floor rates that offer the best balance between growth and protection
    • The fees and charges that are reasonable and transparent
    • The features and riders that suit your needs and objectives
    • The customer service and reputation of the insurer
make informed insurance decisions.

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