Zurich Survivor IULTM
Competitive Highlights
Hello,

With estate taxes still up in the air (even as we expect the current exemptions to sunset in 5 years), Survivorship IUL can help provide long term guaranteed death benefits and flexibility through cash value potential.

The Zurich Survivor IUL can work well in lower interest rate scenarios, especially using a 10 pay solve. It can also work well for smaller cases that focus more on legacy planning than estate tax planning.

Zurich Survivor IUL Features:
  • Optional Guaranteed Death Benefit up to age 90
  • No shadow accounts - a simple premium based guarantee
  • Guaranteed Bonus regardless of interest account chosen
  • Two uncapped index interest accounts

Illustrations ($500,000 Face; 5% Assumed Rate):
(10pay Premium rank out of 6 products)
  • #2 for Male/Female 50/50 Preferred/Preferred
  • #2 for Male/Female 55/55 Standard/Standard
  • #2 for Male/Female 60/60 Standard/Preferred
  • #2 for Male/Female 65/65 Standard/Standard
  • Download competitive study

Even with taxes potentially on the rise and consumers revisiting their life insurance needs due to COVID, there is still so much uncertainty surrounding us. This might be the right time to take a fresh look at survivorship IUL that can offer death benefit if it's needed and cash value if it's not.
Andrew McIntyre
Eastern Regional Vice President
Phone: 631-599-2270
Have a potential case?
For Agent and Broker Information Only. Not for Use with Clients or the Public.

Source: Company Illustrations via third party vendor using their standard inputs as of March 2021. Product names listed as shown by third party vendor. Study includes: John Hancock Protection SIUL 19, Zurich Zurich Survivor Index UL™, Penn Mutual Survivorship Plus Select® IUL, Pacific Life Pacific Indexed Estate Preserver 3 2020, Prudential® PruLife® Survivorship Index UL (2019), Nationwide® Survivorship Indexed UL 2020.

The terms and conditions for the Flexible Premium Adjustable Survivorship Life Insurance Policy with Index-Linked Interest Options are set forth in policy form number ICC19- APSIUL-01; Overloan Protection Rider ICC19-SOLPR-01; No Lapse Guarantee Rider ICC19-SLPNLG-01; Policy Split Option Rider ICC19-SPSOR-01; Accelerated Benefit Rider for Terminal Illness ICC19-STIR-01 or applicable state variation. The policy is issued by Zurich American Life Insurance Company, an Illinois domestic life insurance company located at its registered home address of 1400 American Lane, Schaumburg, IL 60196.

Zurich American Life Insurance Company
Administrative Office: 7045 College Boulevard, Overland Park, Kansas 66211-1523
877 678 7534  www.zlifeusa.com
2021-24-A
©2021 Zurich American Life Insurance Company