Indexed Universal Life Insurance (IUL)
A cash value and living benefits for times of challenge opportunity. Valuable tax advantages. Market-based growth without market-based loss. Even an optional retirement income stream that lasts the rest of your life.
how
How Aspire Finance works
1
Death benefit protection
2
Cash value growth potential
3
A lifetime financial cushion
Lifelong protection for your family
Aspire Finance’s IUL plan is built to offer coverage you won’t outlive. As long as you meet the premium and cash value requirements, your loved ones will receive a guaranteed, tax-free death benefit—giving you peace of mind for life.
Tax-advantaged accumulation
With Aspire Finance’s IUL, your policy can grow cash value over time through a fixed account or index-linked options tied to popular market indexes—up to a set cap. Best of all, that growth is generally tax-free, helping you build long-term finance
Liquidity during your working years
You can access your policy’s available cash value at any time through tax-free policy loans and withdrawals. Just keep in mind that taking out funds may impact your policy’s long-term performance and benefits.
Financial support if major illness strikes
If you're diagnosed with a qualifying critical, chronic, or terminal illness, you can tap into a portion of your death benefit early. Use it for medical bills, personal goals, or anything else that matters to you.
Zero downside risk
If the market index goes down, your policy’s index-linked option won’t drop below 0%. This protects your cash value from any market-based losses while still allowing for growth when the market is up.
Retirement income options
Activate the Lifetime Income option to receive guaranteed monthly income for life. You can also access your policy’s cash value anytime to supplement your retirement income when needed.
how
How Aspire Finance works
1
Death benefit protection
Lifelong protection for your family
Aspire Finance’s IUL plan is built to offer coverage you won’t outlive. As long as you meet the premium and cash value requirements, your loved ones will receive a guaranteed, tax-free death benefit—giving you peace of mind for life.
Financial support if major illness strikes
If you're diagnosed with a qualifying critical, chronic, or terminal illness, you can tap into a portion of your death benefit early. Use it for medical bills, personal goals, or anything else that matters to you.
2
Cash value growth potential
Tax-advantaged accumulation
With Aspire Finance’s IUL, your policy can grow cash value over time through a fixed account or index-linked options tied to popular market indexes—up to a set cap. Best of all, that growth is generally tax-free, helping you build long-term finance
Zero downside risk
If the market index goes down, your policy’s index-linked option won’t drop below 0%. This protects your cash value from any market-based losses while still allowing for growth when the market is up.
3
A lifetime financial cushion
Liquidity during your working years
You can access your policy’s available cash value at any time through tax-free policy loans and withdrawals. Just keep in mind that taking out funds may impact your policy’s long-term performance and benefits.
Retirement income options
Activate the Lifetime Income option to receive guaranteed monthly income for life. You can also access your policy’s cash value anytime to supplement your retirement income when needed.
Smart. Simple. Secure IUL Coverage
At Aspire Finance, we make Indexed Universal Life (IUL) insurance easy and accessible. No medical exams, no lengthy wait times—just a few straightforward health and financial questions. Our fast, tech-driven process delivers instant decisions, helping you secure lifelong financial protection without the hassle.
tap your age below
$900,000
No-med-exam life insurance coverage
30s
From
$31/mon
40s
From
$49/mon
50s
From
$103/mon
Services
Comprehensive insurance services
Our comprehensive insurance services are designed to provide
you with peace of mind, no matter your needs
Term Insurance
Term life insurance provides affordable coverage for 10 to 30 years. If you pass during the term, your beneficiaries receive a guaranteed death benefit.
Life Insurance
At Aspire Finance, no medical exam is needed—just answer a few health questions online. No matter your health status, you’re eligible hassle-free coverage.
Whole Insurance
Whole life insurance offers lifelong protection with a guaranteed payout. It’s ideal if you want lasting coverage, cash value growth, and long-term financial security.
Final Expenses
End-of-life care provides comfort and support for those nearing life’s end. It focuses on enhancing quality of life for patients and families by addressing it.
Index Universal Life
A cash value and living benefits for times of challenge opportunity. Valuable tax advantages. Market-based growth without market-based loss.
FAQS
Frequently asked questions
Explore our Frequently Asked Questions for quick answers on policies, claims, and coverage, helping you make informed insurance decisions.
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What does life insurance cover ?
Life insurance covers a death benefit to your beneficiaries, helping with expenses like funeral costs, debt, and living expenses. It provides financial security during difficult times.
What kind of life insurance does Aspire Finance offer?
Aspire Finance offers Term, Whole, Final Expense, and Indexed Universal Life (IUL) insurance policies. These options provide flexible coverage to fit your needs and budget.
But I have insurance through my employer, isn’t that enough?
Employer-provided insurance may not be enough to fully cover your needs, as it typically offers limited coverage and may end if you change jobs. Personal life insurance provides additional, customizable protection for you and your family.
Who is eligible to apply?
Aspire Finance offers life insurance to U.S. citizens and permanent residents aged 20 to 85. Eligibility may vary based on the policy type and individual health circumstances.
How much life insurance do I need?
The amount of life insurance you need depends on factors like your income, debts, and financial goals. Use our life insurance calculator to help estimate the coverage that best fits your needs.
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