Aviva USA | Indexed Universal Life Insurance - Compare Policies

Indexed Universal Life Insurance

Aviva indexed universal life insurance is the same as traditional universal life except for how interest is credited. It’s based partly on the upward movement of a stock market index. We also offer Term Life and Universal Life.

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Lifetime Builder

A life insurance policy built for cash accumulation, retirement income and accessing cash value.

Download PDF: Lifetime Builder Indexed Universal Life Guide (690k)

Advantage Builder

Offers cost-effective death benefit and the potential for greater cash accumulation.

Download PDF: Advantage Builder Indexed Universal Life Guide (1.13MB)

Indexed Survivor Universal Life

Life insurance that works well for business, estate and charitable gift planning with coverage for two people.

Download PDF: Indexed Survivor Universal Life Guide (543k)

MultiChoice Indexed Single Premium Life

Ideal for older people with funds not needed as income. Easily transferred to heirs.

Download PDF: MultiChoice Indexed Single Premium Life Guide (753k)

Compare policies

This is a summary. Terms and conditions may vary by state. For details and to find out what’s right for you, contact your local Aviva agent.

 

Lifetime Builder

Advantage Builder

Indexed Survivor Universal Life

MultiChoice Indexed Single Premium Life

Issue age

0-85

0-85

20-85

50-85

Minimum face value

$25,000 for ages 0-17
$50,000 ages 18+

$100,000

$250,000

$25,000

Fixed or variable rate loans available

Yes

Yes

Yes

Not applicable

Free withdrawals starting year 2

Yes, 20%

Not applicable

Not applicable

Yes, 10%

Guaranteed interest rate

2%

2%

Not applicable

2%

Policy split option

Not applicable

Not applicable

Yes

Not applicable

Premiums

Lifetime adjustable

Lifetime adjustable

Lifetime adjustable

Single: minimum $10,000

Riders available

Full complement

Full complement

Full complement

Nursing home and terminal illness

Underwriting

Premier available

Premier available

Available even if one life is uninsurable

Simplified with no medical exams

Period of surrender charge

15 years

15 years

15 years

12 years

Summary

Good for cash accumulation

Good for low-cost death benefit

Good for estate planning and heirs

Good annuity alternative

All tax related information contained herein is based on our current understanding of federal tax laws as they relate to life insurance or other subject matter discussed. These laws are subject to change in the future. Neither Aviva nor its representatives offer legal or tax advice. You should consult a personal tax advisor on any tax matters. In order to comply with certain U.S. Treasury regulations, please be advised of the following: Unless expressly stated otherwise, any U.S. Federal tax advice contained in these materials is not intended or written to be used, and cannot be used, by any person for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service. Products issued by and all policy benefits are the responsibility of Aviva Life and Annuity Company, and not that of any other insurer or company.



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 Frequently asked questions

An annuity can do that