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INDEXED UNIVERSAL LIFE (IUL) SIMPLIFIED
Simplicity in design was the driving factor in the development of Vista Life™ IUL, Mutual Trust’s first indexed universal life product. While there are a wide variety of products available in the IUL marketplace, agents and clients have been clamoring for a straightforward, easy-to-understand IUL product. Vista Life IUL fulfills that need.
With one traditional Fixed and three Index Accounts to mix and match, Vista Life IUL puts the policyowner in charge. While funds are not directly tied to the stock market, policyowners are able to enjoy the benefits of market performance through the interest rate credited on the Index Accounts, up to the participation rate and the cap.
Regardless of market performance, the minimum rate credited to all Index Accounts is 0%, protecting them from market downturns.
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Competitive agent compensation.
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Excellent cash value accumulation and flexible premiums.
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Easy to understand point-to-point interest crediting method on Indexed accounts.
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Consumer-friendly sales illustration—fewer pages!
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Policy values can be accessed through partial withdrawals, participating loans, or traditional loans.
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Can be issued for ages 0-80, matures at age 121.
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Preferred Plus and Preferred rates available.
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10-year no-lapse guarantee, grading down to five years starting at issue age 71.
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Two death benefit options (level or increasing).
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Maturity Extension Rider
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Accelerated Death Benefit Rider—Due to Chronic or Terminal Illness
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Terminal Illness Accelerated Benefit Rider
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Overloan Protection Rider
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Waiver of Monthly Deduction Rider
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Primary Insured Term Rider
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Additional Insured Term Rider
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Dependent Children Insurance Rider
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Accidental Death Benefit Rider
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