Protect Your Future. Empower Your Legacy.
Protect your loved ones, Build wealth, and access your benefits while you’re living with our powerful IUL, Whole Life, and Term Life policies designed for lasting legacy.
Indexed Universal Life (IUL)
Grow. Protect. Borrow. Build.
An IUL policy combines the protection of life insurance with the power of tax-deferred growth.
Your policy’s cash value grows based on market performance — without the risk of loss when markets drop.
How it works:
Your premium builds cash value over time.
That value earns interest linked to a market index (like the S&P 500).
You can borrow against it tax-free for investments, emergencies, or retirement.
Your family still receives a tax-free death benefit when you pass.
Key Benefits:
-Tax-advantaged growth
-No market losses — just capped gains
- Access to your money while you’re alive
-Build a personal “family bank” to fund your goals
Whole Life Insurance
Permanent Protection with Guaranteed Growth.
Whole Life Insurance offers lifetime coverage and guaranteed cash value that grows every year.
It’s ideal for families and entrepreneurs focused on long-term wealth building and estate planning.
How it works:
You pay a consistent premium for life.
Part of your payment builds guaranteed cash value.
You can borrow against your policy or use dividends for extra income.
When you pass, your loved ones receive a tax-free benefit.
Key Benefits:
-Lifelong protection — your coverage never expires
-Predictable premiums and guaranteed growth
-Ideal for trusts and generational wealth planning
-Builds equity like an investment — while keeping your family secure
Term Life Insurance
Affordable Coverage for Every Season.
Term Life provides powerful protection at a lower cost for a set period (10, 20, or 30 years).
It’s perfect for parents, business owners, or anyone who wants maximum coverage for minimal cost.
How it works:
You select your coverage term and benefit amount.
If you pass during that term, your beneficiaries receive a tax-free lump sum payout.
Some policies can be converted into permanent coverage later.
Key Benefits:
✅ Highest protection for the lowest cost
✅ Flexible terms that fit your goals
✅ Optional living benefits for early access
✅ Great for income replacement and family protection
The Infinite Life Advantage
Living Benefits — Protection While You’re Living
Life happens — and your policy should serve you before the end of your life.
With Living Benefits, you can access part of your death benefit early if you face:
Critical illness (heart attack, cancer, stroke)
Chronic illness or disability
Terminal illness
This means your policy pays you while you’re still alive, helping you maintain stability and peace of mind during difficult times.
The Infinite Life Advantage
At Infinite Life by Preeminence, our mission is to help families, entrepreneurs, and legacy builders:
Protect what matters most
Grow tax-free wealth
Build generational stability
Stand in their power with financial freedom
We’ll guide you step-by-step — from understanding your goals to designing the perfect policy with the right benefits, growth strategy, and legacy plan.
Frequently Asked Questions
What’s the difference between IUL, Whole Life, and Term Life Insurance?
Each policy serves a unique purpose.
Indexed Universal Life (IUL) offers flexibility, market-linked growth without risk, and the ability to borrow from your policy tax-free.
Whole Life provides permanent coverage with guaranteed cash value that builds over time — ideal for long-term wealth and estate planning.
Term Life gives affordable protection for a set period, perfect for income replacement or mortgage coverage.
We’ll help you choose the best option based on your goals, budget, and family needs.
What are Living Benefits, and how do they work?
Living Benefits let you access part of your death benefit while you’re still alive if you experience a serious illness, injury, or disability.
This means you can use your policy’s funds during life’s toughest moments — for treatment, recovery, or simply maintaining financial peace.
It’s life insurance that truly protects your life, not just your legacy.
Can I build wealth or borrow money from my life insurance policy?
Yes! Certain policies, such as IUL and Whole Life, build cash value you can borrow from tax-free to fund investments, start a business, or handle emergencies.
Think of it as creating your own family bank — where your money grows safely while you still have access to it.
Do I need a medical exam to qualify?
Many plans offer no-medical-exam options depending on your age, health, and coverage amount.
Even if a quick exam is required, it’s simple — often just a nurse visit or phone screening.
We work with trusted partners through GFI Connect to match you with the right carrier and simplify the approval process.
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