Generating Instant Wealth

& Insuring Your Legacy

Tailored Life Insurance to fit your families needs

Trusted Carriers

Creating Retirement Wealth & Protection for Your Family

At Sura Guard, we understand the importance of protecting your loved ones and securing their future. Our insurance packages are designed to meet your specific needs and provide financial security in times of uncertainty. Whether you're looking for Accidental Death, Term Life, Whole Life, Index Universal Life insurance or a Fixed Indexed Annuity, we've got you covered. Contact us today to schedule a meeting and receive a no-obligation quote.

Exclusive Wealth Strategy of the IUL

Coumpound interest growth

How it works


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Frequently Asked Questions

What is an IUL

An IUL, or Indexed Universal Life insurance, is a versatile financial product offering both death benefit protection and cash value accumulation. Indexed Universal Life policies tie cash value growth to the performance of a stock market index, such as the S&P 500. This structure allows policyholders to potentially benefit from market gains while being protected from market downturns. IULs provide flexibility in premium payments and death benefit options, making them attractive to individuals seeking both insurance coverage and investment growth potential.

What's the monthly minimums for an IUL

The minimum amount to put into an Indexed Universal Life (IUL) insurance policy varies depending on the insurance company and the specific policy terms. Generally, insurers may require a minimum premium payment to keep the policy active, typically ranging from $50 to $100 per month. However, it's important to note that the amount needed to maximize the benefits of an IUL and achieve meaningful cash value accumulation may be higher. Some policies may have minimum initial premium requirements, which can range from a few hundred to a few thousand dollars. It's essential to discuss your financial goals and budget with a licensed insurance agent or financial advisor to determine the most suitable contribution amount for your individual circumstances.

What's the monthly maximum for an IUL

The monthly maximum contribution for an Indexed Universal Life (IUL) insurance policy can vary based on several factors, including the insurer, the policyholder's age, health status, desired death benefit, and the policy's terms and conditions. Generally, insurance companies set maximum contribution limits to ensure that the policy remains compliant with tax regulations and maintains its life insurance status.

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