Structured Premium

Structured Premium refers to a predetermined and systematic payment plan that a policyholder adheres to in order to fund their policy. This premium structure is designed to optimise the policy's cash value accumulation and potential for indexed interest crediting while ensuring that the policy remains in force. The Structured Premium takes into account factors such as the policyholder's age, health, desired death benefit, and the performance of the selected index or indices. By consistently paying the Structured Premium, the policyholder can maximise the benefits of their IUL policy, such as tax-deferred cash value growth and a guaranteed death benefit.