Life insurance is that most versatile of investment vehicles, a low-risk product that works for clients in just about any wealth category and life stage. Historically, it has been a key component in many a well-executed estate plan, and it continues to be one of the most relevant, secure options available.

Let's take a closer look at how indexed universal life insurance can be a fit for each phase of a consumer's life: introduction, accumulation and preservation.

In order for a financial vehicle to be worthy of all phases of a consumer's lifetime, it must be liquid, it must have a proven track record (or rate of return) and it must have the flexibility to adapt to the consumer's changing financial needs. Indexed universal life is a unique strategy that can provide all of these features and more. Let's take a closer look at how Indexed Universal Life (IUL) can be a fit for each phase of a consumer's life: introduction, accumulation and preservation.