Wealth Protection

& Diversification with IUL

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 Challenges of

Asset Diversification

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.

Index Universal Life
Insurance: The Basics
4 MINUTE WATCH

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.

IUL for Asset Diversification

What is Indexed Universal Life

Insurance?

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

Benefits of Indexed
Universal Life Insurance

01
Retirement Planning

Not just an insurance policy, but a versatile financial tool. Diversify your investment portfolio while enjoying a safety net against market downturns.

02
Family Protection and Financial Security

Watch your wealth grow tax-deferred. Access your funds tax-free, offering you unmatched financial flexibility for investments, retirement, or unexpected expenses.

03
Financial Security

Secure your financial legacy with high-value life coverage that ensures a smooth and seamless transition of your wealth to the next generation.

How IUL Works for

Asset Protection & Diversification

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.

Working with Capital for Life:

It's as Easy as 1-2-3!

Get a Personalised IUL Quote
01
Fill Out the Form

Begin your journey by providing us with some basic details. This initial information helps us understand your unique needs and aspirations.

02
Personalised Consultation

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.

03
Crafting Your IUL Solution

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.

Trusted Expertise at
your fingertips

“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

Executive Director at
 
Arrow Capital

“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

Chief Operating Office at
 
SVN Capital

"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

Senior Partner at
 
Finsbury Wealth

It is a pleasure to work with Carlton at Capital for Life. He and the team are extremely professional and always on hand to provide support when required. Carlton's extensive experience has been key in helping my high-net-worth clients, particularly in offering bespoke retirement and estate planning solutions.

Colin Estlick

 Founding Managing Partner at
 
Kingdom Asset Management

"Working with Carlton is a pleasure. He delivers a constant high level of quality work and is always responsive and communicative."

Hugh McGrenra

Business Development Manager at
 
ARIA Capital Management

"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

Director at
 
Wealth Management Services

“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

Chief Executive Officer at
 
SVN Capital

"Carlton and his team at Capital for Life go above and beyond to help us propose and implement unique retirement and estate planning vehicles for our high net worth clients. Capital for Life’s suite of product offerings are unique in many ways and lend them themselves to significant generational wealth creation and preservation. I see Capital for Life becoming a larger part of international wealth planning in the future and would recommend them to anyone without reservation."

Thomas Goldie

Senior Wealth Adviser at
 
Hoxton Capital Management

“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

Founder of chartered financial planning boutique,
 
Mulberry Bow

"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

Partner at
 
GSB Capital

"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

Associate Director at
 
Indigo Financial Analysis

"I am extremely pleased with the high-value life insurance products and retirement planning strategies that Capital for Life designed for my client. As a trusted advisor in this specialised area, Carlton and his team helped through every aspect of the application process to make this seamless and effortless for both the client and myself. The Team is highly experienced, knowledgeable and professional."

Stuart J. Mizen

Senior Investment Manager at
 
SVN Capital

Frequently Asked Questions About

for Wealth Protection & Diversification

What is IUL and how does it help protect and diversify my wealth?

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.

How does IUL's cash value growth contribute to wealth protection?

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.

Can IUL help me achieve my retirement goals?

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.

What are the tax advantages of using IUL?

IUL boasts several tax-diversification features:

  • Tax-free cash value growth: Your cash value accumulates without incurring current income, capital gains or dividend tax. This allows your money to compound and grow at a faster rate.
  • Tax-free death benefit pay-outs: A ULI death benefit pays-out tax-free, although there may be some tax to pay on this benefit depending upon how your policy is structured and your country of residence.
  • Potential tax-free withdrawals: Depending on the policy and how you access the funds, you may be able to withdraw your cash value tax-free. This will vary for residents of different countries.

Is IUL a good alternative to investing in the stock market?

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.

EDUCATIONAL RESOURCES

Asset Protection & Diversification Resources

Our comprehensive articles offer insights into the world of IUL, helping you make informed decisions for your financial future.

Ready to take control of 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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