What it can do for you

Aviva indexed universal life insurance has the benefits of traditional universal life plus the potential for greater growth in your policy value.

Gives you upside potential
Aviva indexed universal life insurance policies credit interest based partly on the upward movement of a major stock market index, so when the market does well, so do you. Over the life of the policy, this could mean more cash value and more supplemental retirement income. And the tax-deferred benefits of a traditional universal life policy still apply.

Gives you downside protection
You also get a guaranteed minimum interest rate with an Aviva indexed universal life policy. So while you’re taking advantage of the market going up, you’ll never suffer loses due to the market going down.

What else it can do for you

An Aviva indexed universal life insurance policy gives you the same flexibility and safety of other universal life policies from Aviva.

Puts you in control
As your needs change, your policy can change, too. You can change the death benefit, increase or decrease your premiums, and add options or riders to fit your needs.

Transfers your wealth
Aviva indexed universal life can help you leave a legacy to pass on to your heirs by giving them as much of your estate as possible, while making sure your tax and other obligations are satisfied.

Builds your savings
Indexed universal life insurance provides a tax-deferred way of accumulating a cash value at competitive interest rates.

Gives you access to funds
You can make withdrawals or borrow against, the cash value in your policy. Your Aviva indexed universal life policy can also be used as collateral for securing an outside loan, letting you tap the equity in your policy for a variety of needs: education, retirement and emergencies.

Protects your family
The death benefit gives you peace of mind knowing that your loved ones will not face financial hardship should you die. And the value can grow with your family and your needs.

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.

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