Indexed Universal Life Insurance
Aviva indexed universal life insurance is the same as traditional universal life except for how interest is credited. It’s based partly on the upward movement of a stock market index. We also offer Term Life and Universal Life.
Growth in policy value potentially higher

Compare policies
This is a summary. Terms and conditions may vary by state. For details and to find out what’s right for you, contact your local Aviva agent.
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Lifetime Builder II |
Advantage Builder II |
Indexed Survivor Universal Life |
MultiChoice Indexed Single Premium Life |
Issue age |
0-85 |
0-85 |
20-85 |
50-85 |
Minimum face value |
$25,000 |
$100,000 |
$250,000 |
$25,000 |
Fixed or variable rate loans available |
Yes |
Yes |
Yes |
Not applicable |
Free withdrawals starting year 2 |
Yes, 20% |
Not applicable |
Not applicable |
Yes, 10% |
Guaranteed interest rate |
Not applicable |
Not applicable |
Not applicable |
2% |
Policy split option |
Not applicable |
Not applicable |
Yes |
Not applicable |
Premiums |
Lifetime adjustable |
Lifetime adjustable |
Lifetime adjustable |
Single: minimum $10,000 |
Riders available |
Full complement |
Full complement |
Full complement |
Nursing home and terminal illness |
Underwriting |
Premier available |
Premier available |
Available even if one life is uninsurable |
Simplified with no medical exams |
Period of surrender charge |
15 years |
15 years |
15 years |
12 years |
Summary |
Good for cash accumulation |
Good for low-cost death benefit |
Good for estate planning and heirs |
Good annuity alternative |
All tax related information contained herein is based on our current understanding of federal tax laws as they relate to life insurance or other subject matter discussed. These laws are subject to change in the future. Neither Aviva nor its representatives offer legal or tax advice. You should consult a personal tax advisor on any tax matters. In order to comply with certain U.S. Treasury regulations, please be advised of the following: Unless expressly stated otherwise, any U.S. Federal tax advice contained in these materials is not intended or written to be used, and cannot be used, by any person for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service. Products issued by and all policy benefits are the responsibility of Aviva Life and Annuity Company, and not that of any other insurer or company.