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Accelerate Performance with Options & Protection

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LegacyAccel™ Indexed Universal Life (IUL) is a customizable vehicle providing life insurance protection with cash value acceleration opportunities. 

Product At-A-Glance

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LegacyAccel™ is fully streamlined to get you and your client an immediate underwriting decision on the spot!

Penalty-free liquidity is built-in with cash value loans and penalty-free withdrawals. If your client changes their mind later and decides to cash out the policy, a few features help to provide the maximum surrender value.

LegacyAccel™ helps pass a ramped-up legacy as a death benefit to the next generation. Also provides accelerated cash value accumulation opportunities with a minimum return of 2.5%. 

A lump sum payout is available to help with expenses for a serious illness, should that event arise.

 
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Tax-Free Legacy Chassis

 

You can get the dual advantage of a ramped-up death benefit while at the same time taking maximum advantage of accelerated cash accumulation.

Eligible Drivers

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Maturity Age & Value Policy matures at age 121 for the current death benefit.

Male and Female gender-specific rates (except in Montana) in four classes:

•  Standard Nicotine

•  Preferred Nicotine

•  Standard Non-Nicotine

•  Preferred Non-Nicotine 

Premium Modes Single Premium or Annual Installments.

 

Loads & Charges LegacyAccel™ is a no-load plan with unbundled expense charges. Surrender charges may apply to a LegacyAccel™ policy if surrendered as a direct transfer to a policy at another company.

Issue Ages Age last birthday 18-85

 
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SAFETY FEATURES

FOR A FINANCIAL

PEACE OF MIND

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PENALTY-FREE LIQUIDITY

LegacyAccel™ has penalty-free liquidity built-in with cash value loans and penalty-free withdrawals. If you change your mind later and decide to cash out your policy, the Waiver of Surrender Charges, Accumulated Value Roll-Up and Premium Protection features help to assure that you realize the maximum surrender value (as long as the surrender is not a transfer to a policy at another company).  

LIVING BENEFIT RIDER

A portion of the Death Benefit may be accelerated in the event of chronic illness, terminal illness or severe cognitive impairment. The lesser of $500,000 or 90% of the specified amount could be accelerated.

A MINIMUM RETURN OF 2.5%

A minimum return of 2.5% may be provided with the Accumulated Value Roll-Up Rider. Every tenth year, or at surrender, the Rider provides the greater of the original policy premiums (minus withdrawals, fees and expense charges) credited at a guaranteed return of 2.5%, or the current accumulated value - whichever is greater.