Terms of use

insureiul.com is operated by North Life Group LLC under the InsureIUL name. North Life Group LLC is an independent insurance agency whose agents are licensed to sell life insurance.

Information, not advice

Pages on this site explain indexed universal life and the documents insurers publish about it. None of it is personal tax, legal or investment advice. IUL is life insurance first, and nothing on this site offers it as an investment. The request form only asks for a phone call. No application is filed and no coverage begins because you sent it.

Rates and data

Rates, caps and charges shown here come from documents insurers publish, dated as printed. Insurers change current rates for new money without notice to us, so a row may be out of date by the time you read it. The contract and the insurer's current documents govern.

Projections are not guarantees

Charts, calculators and illustrations project values from stated assumptions. Real results depend on future credits, charges, loans and premiums, and can be much lower. Only the guaranteed values in a contract are guaranteed, and only by the insurer that issues it.

The insurer decides

Price and approval belong to each insurer, which reviews the application and the applicant's health before it offers anything. Some products are not available in some states.

Our pay

Premiums go to the insurer. When a sale closes through our agents, that insurer sends our agency a commission. Details are on how we are paid.

Calls and texts

Checking the consent box lets our agents reach you only in the ways its wording lists. Texting STOP ends texts at any time, and our privacy policy covers calls, records and opting out.

Contact

North Life Group LLC, 1835 NE Miami Gardens Dr, Ste 340, North Miami Beach, FL 33179. Telephone (305) 699-5857.