IUL for ETSU Employees

Educators seeking additional tax-advantaged growth beyond pension and retirement plan contributions can use IUL to build supplemental wealth. The 0% floor provides security, while index-linked growth (subject to cap rates, typically 8-12%) adds potential. Policy fees apply. The cash value component provides additional financial benefits beyond the death benefit. A licensed agent in our network can help evaluate whether iul fits your specific situation.

IUL rates are based on age, health status, coverage amount, and other individual factors — not your employer. For reference, $200-$500/month for $500K coverage (healthy 35-year-old non-smoker, illustrative). Actual premiums vary by carrier and individual underwriting. Request a free quote for a personalized estimate.

IUL cash value growth is linked to market indexes such as the S&P 500. Your cash value participates in positive performance up to a cap rate (typically 8-12%), while a guaranteed floor (commonly 0%, varies by carrier) protects against losses. Policy fees apply. This creates a supplemental wealth-building tool that no employer group plan provides. A licensed agent in our network can explain the details.

Medical school faculty typically earn substantially above average, making 1x salary group coverage particularly insufficient relative to their income replacement needs. For a physician faculty member earning an illustrative $200,000+ annually (actual compensation varies by specialty), the gap between $200,000 in group coverage and the $2-3 million potentially needed is enormous. Individual coverage from A-rated (A.M. Best) carriers can be sized to match your actual income and family obligations.

Getting started is quick and easy. Request a free quote through our online form, and a licensed agent in our network will review your information and provide a personalized estimate. They can help you understand how iul supplements your ETSU group benefits. Quotes are estimates subject to underwriting. No cost, no obligation.