Weather market downturns and build lasting wealth. Diversify and protect with IUL. Navigate uncertainty, grow steadily, and provide a legacy.
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"Carlton has a wealth of knowledge on his offering and the whole CFL team is first class in their work behind the scenes." - James Gormley
"I highly recommend Capital for Life for when it comes to life insurance solutions. The team is extremely knowledgeable & professional." - Gareth Bowkett
"Carlton’s knowledge and expertise is invaluable... A clear communicator who can quickly craft a solution and is unrelenting on a successful delivery.” - Matt Tailford
“Carlton Crabbe and the team at Capital For Life have been an immeasurable asset." - Bob Bhowmik
The golden rule of investing is diversification. Investing across multiple asset classes smooths volatility, mitigates risk, and sets you up for long-term growth. But many investors overlook a powerful tool when building truly robust portfolios: life insurance. By combining cash-value life insurance with investments, your portfolio becomes well-rounded, diversified, and more resilient to market declines.
If you are a high-net-worth client looking to maximise the low-risk part of your portfolio while still maintaining liquidity and security, life insurance may be a compelling solution for you.
Diversify your portfolio with life insurance’s unique blend of stability and upside. ULI builds a legacy that safeguards your loved ones while diversifying your investments.
Lower investment risk and unlock higher returns by adding life insurance to your investment portfolio. ULI offers investment options with varying risk profiles and return potential.
ULI gives you access to your capital when needed. Cash liquidity provides peace of mind knowing your funds aren't permanently tied up to pay for unexpected expenses, property purchases, or education expenses.
ULI offers consistent cash flow through fixed return strategies or growth plans. Unlike traditional investments that rely on capital appreciation or fluctuating fixed income, ULI can deliver regular returns you can count on.
Indexed Universal Life Insurance (IUL), often referred to as IUL, is a type of permanent life insurance. Unlike traditional life insurance, IUL offers both a death benefit and the potential for cash value accumulation based on the performance of a stock market index. This unique structure provides flexibility in premium payments and coverage amounts, adapting to your changing financial needs over time.
Get A Personalised IUL Quotation
Not just an insurance policy, but a versatile financial tool. Diversify your investment portfolio while enjoying a safety net against market downturns.
Watch your wealth grow tax-deferred. Access your funds tax-free, offering you unmatched financial flexibility for investments, retirement, or unexpected expenses.
Secure your financial legacy with high-value life coverage that ensures a smooth and seamless transition of your wealth to the next generation.
Diversification
Diversify your portfolio with life insurance’s unique blend of stability and upside. ULI builds a legacy that safeguards your loved ones while diversifying your investments.
Lower Risk and Increase Returns
Lower investment risk and unlock higher returns by adding life insurance to your investment portfolio. ULI offers investment options with varying risk profiles and return potential.
Cash Liquidity
ULI gives you access to your capital when needed. Cash liquidity provides peace of mind knowing your funds aren't permanently tied up to pay for unexpected expenses, property purchases, or education expenses.
Steady Income
ULI offers consistent cash flow through fixed return strategies or growth plans. Unlike traditional investments that rely on capital appreciation or fluctuating fixed income, ULI can deliver regular returns you can count on.
Customisation
Whether you prioritise steady income, long-term growth, or a high family cash benefit, there's a ULI structure tailored to your unique financial goals and risk tolerance.
Tax Free Growth
Remove the tax-drag: Accumulate wealth over the long term with life insurance with tax-free growth.
Begin your journey by providing us with some basic details. This initial information helps us understand your unique needs and aspirations.
Once we receive your form, our expert team will reach out for a one-on-one consultation. We'll dive deeper into your financial goals and provide insights on how IUL can be tailored for you.
Based on our discussions, we'll design a bespoke Index Universal Life Insurance plan that aligns perfectly with your family protection objectives, ensuring your peace of mind.
“Carlton is an experienced & learned professional in the life assurance space, who has helped, not only clients but me, navigate the world of high value life assurance through education on the concepts, the application, the processes, and procedures in a clear and concise manner, as to allow me to imbibe others with the same knowledge. He is affable, thoroughly professional and is a pleasure to work with many of my clients and colleagues”.
Raj Srivastava
“Carlton Crabbe and the team at Capital For Life have been an immeasurable asset. Carlton’s experience in structuring solutions for our HNW clients has been a great benefit to our team, and the feedback from our valued clients has been unanimously positive.”
Bob Bhowmik
"I've had the pleasure to work with Carlton and the whole team on a number of occasions. I've found them very professional and thorough when preparing UL cases for my clients. Carlton has a wealth of knowledge on his offering and the whole CFL team is first class in their work behind the scenes."
James Gormley
"Working with Carlton is a pleasure. He delivers a constant high level of quality work and is always responsive and communicative."
Hugh McGrenra
"Carlton is an invaluable trusted advisor who identified creative solutions for my high net worth clients using specialised life insurance options. He is a true expert in this field and someone who increases the professionalism in this specialist area."
Marc Beattie
“Carlton has been exceptional in helping us and our clients with the best support and guidance we could wish for. We will continue to use Carlton forever more and would highly suggest that everyone else does the same too.”
Stefan Terry
“Having worked with Carlton for many years, I saw first-hand the care he took to get to the right solution for clients and how collaborative he was with colleagues. In recent years, he has specialised in offshore planning, notably trusts and life assurance, to an extent that there’s nobody I’m aware of in the industry who knows more about those areas.”
Simon Bullock
"Carlton really stands out as a true expert within the market. Carlton has been instrumental as a trusted advisor to my high-net-worth clients because of his ability to provide specialised and creative life insurance products for retirement and estate planning."
Lloyd Simpson
"I highly recommend Capital for Life for when it comes to life insurance solutions. The team is extremely knowledgeable & professional. Carlton is a true expert in his field and he along with the team always remain on hand to provide assistance."
Gareth Bowkett
IUL or Indexed Universal Life insurance, is a unique financial tool that combines the death benefit protection of traditional life insurance with the wealth-building potential of tax-free cash value accumulation.
IUL offers portfolio diversification as an alternative asset class outside the traditional stock/bond mix. Its cash value grows tax-free and has the potential to outperform market volatility through indexed interest crediting, providing stability and diversification to your investment portfolio.
The cash value within your IUL policy accumulates over time, acting as a valuable financial safety net. You can access this cash value through tax-free loans or withdrawals for emergencies, education, or retirement income. This flexibility provides a buffer against unexpected financial needs, protecting your overall financial well-being.
IUL can be a powerful tool for retirement planning. The tax-advantaged growth of your cash value can potentially outpace inflation and traditional savings accounts, building a significant retirement fund. Additionally, certain IUL policies offer withdrawals that provide guaranteed income streams in retirement, supplementing your other retirement income sources.
IUL boasts several tax-diversification features:
IUL offers a different risk-reward profile than investing directly into the stock market. While it doesn't offer the same potential for high returns, it provides steady, tax-free growth with downside protection through indexed interest crediting. This can be appealing for individuals seeking stability and asset diversification, especially those nearing retirement or with a lower risk tolerance.
Still have questions about jumbo life insurance? We're here to help.
Reach out to us at enquiries@capitalforlife.com or call us on 052-772-6262 for the best jumbo insurance quote in Dubai.
Our comprehensive articles offer insights into the world of IUL, helping you make informed decisions for your financial future.
There’s no better time than now. With our tailored IUL solutions, you’re not just buying a policy; you’re investing in your family’s peace of mind.
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