Mervat Financial Insurance Group
Reliable. Personalized. Fast.
Life Insurance that creates wealth.
Empowering Futures, Ensuring Legacies: Mervat Financial Insurance Group, Your IUL Experts.
Change the way you use life Insurance
Indexed Universal Life (IUL) policies stand out as an exceptional financial tool by combining the protection of life insurance with the potential for long-term wealth accumulation. With IUL, you can benefit from market-linked returns without the downside risk, build a tax-advantaged cash value and secure a stable financial future.
Flexibility
The flexibility to adjust premiums and the potential for significant growth make IUL policies a versatile and powerful solution for individuals seeking both protection and financial prosperity.
Life Insurance
Life insurance is a crucial financial safety net that provides peace of mind and financial protection for loved ones in the event of unexpected circumstances. By having life insurance, individuals ensure that their families are financially supported, debts are covered, and future expenses are secured, offering a responsible and caring approach to long-term financial planning.
Retirement Insurance
Indexed Universal Life (IUL) policies are an excellent choice for retirement planning, offering a unique blend of life insurance coverage and tax-advantaged cash value growth. With flexibility in premium payments and the potential for higher returns linked to market performance, IULs provide retirees with a reliable source of income and financial security for their golden years.
Our Team
Mervat Abdelrahman
CEO
Mervat Financial Insurance Group
Frequently Asked Questions:
What is Indexed Universal Life (IUL) insurance?
IUL is a type of permanent life insurance that combines a death benefit with a cash value component. The cash value has the potential to grow based on the performance of an underlying market index, providing policyholders with the opportunity for increased returns.
How does the cash value in an IUL policy grow?
The cash value in an IUL policy grows through credited interest linked to the performance of a selected market index, such as the S&P 500. Unlike variable life insurance, IUL policies provide a downside protection, ensuring that the cash value doesn't decrease even if the market index performs poorly.
What are the key benefits of choosing an IUL policy?
IUL policies offer a unique combination of life insurance protection and the potential for tax-advantaged cash value growth. Policyholders can enjoy flexibility in premium payments, the opportunity for higher returns tied to market performance, and the ability to access cash value through loans or withdrawals during their lifetime.
How is an IUL policy different from traditional life insurance?
Unlike traditional life insurance, IUL policies provide the opportunity for cash value growth linked to market performance, offering a potential for higher returns. Additionally, IULs offer more flexibility in premium payments and death benefit adjustments, allowing policyholders to adapt to changing financial needs.
Can I use the cash value in my IUL policy for retirement income?
Yes, one of the advantages of an IUL policy is its potential to serve as a source of tax-free income during retirement. Policyholders can access the accumulated cash value through policy loans or withdrawals, providing financial flexibility and supplementing their retirement income.
It's simple as 1... 2... 3!
1. Book a Call
Explore our options and get the information you need.
2. Apply
Apply for the plan that suits you best.
3. Reach Your Goal!
Watch as you reach your financial goals with confidence
Change the way you use life Insurance
Discover a better way to use life insurance with Indexed Universal Life. It's not just about protecting your family – it's about building a safe and smart financial plan for your future, too
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Assistance Hours
Mon – Fri 9:00am – 6:00pm
Sat - 12:00pm - 4:00pm
Sunday – CLOSED
Phone Number:
678-469-7018