More Volatility Ahead – are Your Clients Ready?
81% of Americans think the market will continue to be very volatile this year¹ — how should you respond?
Market turbulence can make clients jumpy too – which is why you may want to talk to them about the importance of diversification within their fixed index universal life (FIUL) insurance policy.
A diversified approach to your client’s allocation options within their FIUL can help them seek more consistent results – including:
- Potential for consistent interest credits in varied market environments
- Reduced possibility of receiving a 0% interest credit in any given year
FIUL provides a death benefit that is generally income-tax-free to beneficiaries along with the opportunity to build accumulation value.
¹ 2022 1Q Allianz Life Quarterly Market Perceptions Study
FIUL requires qualification through health and financial underwriting.
Diversifying within an FIUL does not ensure that a policy will be credited with interest in any given year.
Although an external index may affect the interest credited, the policy does not directly participate in any equity or fixed income investments. Your clients are not buying shares in an index.