[{"data":1,"prerenderedAt":954},["ShallowReactive",2],{"navigation":3,"page-\u002Fiul\u002Fmax-funded\u002Fage-45":822,"folder-children-\u002Fiul\u002Fmax-funded\u002Fage-45":953},[4,8,144,172,176,311,330,334,476,486,589,635,782],{"title":5,"path":6,"stem":7},"About","\u002Fabout","about",{"title":9,"path":10,"stem":11,"children":12},"Annuities","\u002Fannuities","annuities",[13,15,37,58,83,104,125],{"title":9,"path":10,"stem":14},"annuities\u002Findex",{"title":16,"path":17,"stem":18,"children":19,"page":36},"Deferred","\u002Fannuities\u002Fdeferred","annuities\u002Fdeferred",[20,24,28,32],{"title":21,"path":22,"stem":23},"deferred income annuity with $1,000,000 premium","\u002Fannuities\u002Fdeferred\u002F1-million","annuities\u002Fdeferred\u002F1-million",{"title":25,"path":26,"stem":27},"Deferred income annuity with $100,000 premium","\u002Fannuities\u002Fdeferred\u002F100k","annuities\u002Fdeferred\u002F100k",{"title":29,"path":30,"stem":31},"deferred income annuity with $250,000 premium","\u002Fannuities\u002Fdeferred\u002F250k","annuities\u002Fdeferred\u002F250k",{"title":33,"path":34,"stem":35},"deferred income annuity with $500,000 premium","\u002Fannuities\u002Fdeferred\u002F500k","annuities\u002Fdeferred\u002F500k",false,{"title":38,"path":39,"stem":40,"children":41,"page":36},"Fixed Index","\u002Fannuities\u002Ffixed-index","annuities\u002Ffixed-index",[42,46,50,54],{"title":43,"path":44,"stem":45},"fixed indexed annuity with $100,000 premium","\u002Fannuities\u002Ffixed-index\u002F100k","annuities\u002Ffixed-index\u002F100k",{"title":47,"path":48,"stem":49},"fixed indexed annuity with $250,000 premium","\u002Fannuities\u002Ffixed-index\u002F250k","annuities\u002Ffixed-index\u002F250k",{"title":51,"path":52,"stem":53},"fixed indexed annuity with $500,000 premium","\u002Fannuities\u002Ffixed-index\u002F500k","annuities\u002Ffixed-index\u002F500k",{"title":55,"path":56,"stem":57},"fixed indexed annuity with $750,000 premium","\u002Fannuities\u002Ffixed-index\u002F750k","annuities\u002Ffixed-index\u002F750k",{"title":59,"path":60,"stem":61,"children":62,"page":36},"Immediate","\u002Fannuities\u002Fimmediate","annuities\u002Fimmediate",[63,67,71,75,79],{"title":64,"path":65,"stem":66},"single premium immediate annuity with $1,000,000 premium","\u002Fannuities\u002Fimmediate\u002F1-million","annuities\u002Fimmediate\u002F1-million",{"title":68,"path":69,"stem":70},"single premium immediate annuity with $100,000 premium","\u002Fannuities\u002Fimmediate\u002F100k","annuities\u002Fimmediate\u002F100k",{"title":72,"path":73,"stem":74},"single premium immediate annuity with $250,000 premium","\u002Fannuities\u002Fimmediate\u002F250k","annuities\u002Fimmediate\u002F250k",{"title":76,"path":77,"stem":78},"single premium immediate annuity with $500,000 premium","\u002Fannuities\u002Fimmediate\u002F500k","annuities\u002Fimmediate\u002F500k",{"title":80,"path":81,"stem":82},"single premium immediate annuity with $750,000 premium","\u002Fannuities\u002Fimmediate\u002F750k","annuities\u002Fimmediate\u002F750k",{"title":84,"path":85,"stem":86,"children":87,"page":36},"Lifetime Income","\u002Fannuities\u002Flifetime-income","annuities\u002Flifetime-income",[88,92,96,100],{"title":89,"path":90,"stem":91},"lifetime income annuity with $1,000,000 premium","\u002Fannuities\u002Flifetime-income\u002F1-million","annuities\u002Flifetime-income\u002F1-million",{"title":93,"path":94,"stem":95},"lifetime income annuity with $100,000 premium","\u002Fannuities\u002Flifetime-income\u002F100k","annuities\u002Flifetime-income\u002F100k",{"title":97,"path":98,"stem":99},"lifetime income annuity with $500,000 premium","\u002Fannuities\u002Flifetime-income\u002F500k","annuities\u002Flifetime-income\u002F500k",{"title":101,"path":102,"stem":103},"lifetime income annuity with $750,000 premium","\u002Fannuities\u002Flifetime-income\u002F750k","annuities\u002Flifetime-income\u002F750k",{"title":105,"path":106,"stem":107,"children":108,"page":36},"Myga","\u002Fannuities\u002Fmyga","annuities\u002Fmyga",[109,113,117,121],{"title":110,"path":111,"stem":112},"multi-year guaranteed annuity with $1,000,000 premium","\u002Fannuities\u002Fmyga\u002F1-million","annuities\u002Fmyga\u002F1-million",{"title":114,"path":115,"stem":116},"multi-year guaranteed annuity with $250,000 premium","\u002Fannuities\u002Fmyga\u002F250k","annuities\u002Fmyga\u002F250k",{"title":118,"path":119,"stem":120},"multi-year guaranteed annuity with $500,000 premium","\u002Fannuities\u002Fmyga\u002F500k","annuities\u002Fmyga\u002F500k",{"title":122,"path":123,"stem":124},"multi-year guaranteed annuity with $750,000 premium","\u002Fannuities\u002Fmyga\u002F750k","annuities\u002Fmyga\u002F750k",{"title":126,"path":127,"stem":128,"children":129,"page":36},"Ohio","\u002Fannuities\u002Fohio","annuities\u002Fohio",[130],{"title":131,"path":132,"stem":133,"children":134,"page":36},"Safe Growth","\u002Fannuities\u002Fohio\u002Fsafe-growth","annuities\u002Fohio\u002Fsafe-growth",[135],{"title":136,"path":137,"stem":138,"children":139,"page":36},"Fixed Indexed","\u002Fannuities\u002Fohio\u002Fsafe-growth\u002Ffixed-indexed","annuities\u002Fohio\u002Fsafe-growth\u002Ffixed-indexed",[140],{"title":141,"path":142,"stem":143},"Fixed Indexed Annuity With a $500,000 Premium in Ohio","\u002Fannuities\u002Fohio\u002Fsafe-growth\u002Ffixed-indexed\u002F500k-premium","annuities\u002Fohio\u002Fsafe-growth\u002Ffixed-indexed\u002F500k-premium",{"title":145,"path":146,"stem":11,"children":147,"page":36},"Nnuities","\u002Fnnuities",[148,154,160,166],{"title":16,"path":149,"stem":18,"children":150,"page":36},"\u002Fnnuities\u002Fdeferred",[151],{"title":152,"path":153,"stem":153},"Deferred income annuity with $750,000 premium","annuities\u002Fdeferred\u002F750k",{"title":38,"path":155,"stem":40,"children":156,"page":36},"\u002Fnnuities\u002Ffixed-index",[157],{"title":158,"path":159,"stem":159},"fixed indexed annuity with $1,000,000 premium","annuities\u002Ffixed-index\u002F1-million",{"title":84,"path":161,"stem":86,"children":162,"page":36},"\u002Fnnuities\u002Flifetime-income",[163],{"title":164,"path":165,"stem":165},"lifetime income annuity with $250,000 premium","annuities\u002Flifetime-income\u002F250k",{"title":105,"path":167,"stem":107,"children":168,"page":36},"\u002Fnnuities\u002Fmyga",[169],{"title":170,"path":171,"stem":171},"multi-year guaranteed annuity with $100,000 premium","annuities\u002Fmyga\u002F100k",{"title":173,"path":174,"stem":175},"Contact","\u002Fcontact","contact",{"title":177,"path":178,"stem":179,"children":180},"Final Expense","\u002Ffinal-expense","final-expense",[181,184,198,219,236,261,286],{"title":182,"path":178,"stem":183},"Final Expense Insurance","final-expense\u002Findex",{"title":185,"path":186,"stem":187,"children":188,"page":36},"Arizona","\u002Ffinal-expense\u002Farizona","final-expense\u002Farizona",[189],{"title":190,"path":191,"stem":192,"children":193,"page":36},"Seniors","\u002Ffinal-expense\u002Farizona\u002Fseniors","final-expense\u002Farizona\u002Fseniors",[194],{"title":195,"path":196,"stem":197},"Final Expense Insurance for Seniors in Arizona on Fixed Income","\u002Ffinal-expense\u002Farizona\u002Fseniors\u002Fage-65-fixed-income","final-expense\u002Farizona\u002Fseniors\u002Fage-65-fixed-income",{"title":199,"path":200,"stem":201,"children":202,"page":36},"Diabetics","\u002Ffinal-expense\u002Fdiabetics","final-expense\u002Fdiabetics",[203,207,211,215],{"title":204,"path":205,"stem":206},"Final expense at age 65 (type 2 diabetes)","\u002Ffinal-expense\u002Fdiabetics\u002Fage-65","final-expense\u002Fdiabetics\u002Fage-65",{"title":208,"path":209,"stem":210},"Final expense at age 70 (type 2 diabetes)","\u002Ffinal-expense\u002Fdiabetics\u002Fage-70","final-expense\u002Fdiabetics\u002Fage-70",{"title":212,"path":213,"stem":214},"Final expense at age 80 (type 2 diabetes)","\u002Ffinal-expense\u002Fdiabetics\u002Fage-80","final-expense\u002Fdiabetics\u002Fage-80",{"title":216,"path":217,"stem":218},"Final expense at age 85 (type 2 diabetes)","\u002Ffinal-expense\u002Fdiabetics\u002Fage-85","final-expense\u002Fdiabetics\u002Fage-85",{"title":220,"path":221,"stem":222,"children":223,"page":36},"Fixed Income","\u002Ffinal-expense\u002Ffixed-income","final-expense\u002Ffixed-income",[224,228,232],{"title":225,"path":226,"stem":227},"Final expense at age 65 (fixed income)","\u002Ffinal-expense\u002Ffixed-income\u002Fage-65","final-expense\u002Ffixed-income\u002Fage-65",{"title":229,"path":230,"stem":231},"Final expense at age 75 (fixed income)","\u002Ffinal-expense\u002Ffixed-income\u002Fage-75","final-expense\u002Ffixed-income\u002Fage-75",{"title":233,"path":234,"stem":235},"Final expense at age 80 (fixed income)","\u002Ffinal-expense\u002Ffixed-income\u002Fage-80","final-expense\u002Ffixed-income\u002Fage-80",{"title":237,"path":238,"stem":239,"children":240,"page":36},"Graded Benefit","\u002Ffinal-expense\u002Fgraded-benefit","final-expense\u002Fgraded-benefit",[241,245,249,253,257],{"title":242,"path":243,"stem":244},"Final expense at age 65 (graded benefit)","\u002Ffinal-expense\u002Fgraded-benefit\u002Fage-65","final-expense\u002Fgraded-benefit\u002Fage-65",{"title":246,"path":247,"stem":248},"Final expense at age 70 (graded benefit)","\u002Ffinal-expense\u002Fgraded-benefit\u002Fage-70","final-expense\u002Fgraded-benefit\u002Fage-70",{"title":250,"path":251,"stem":252},"Final expense at age 75 (graded benefit)","\u002Ffinal-expense\u002Fgraded-benefit\u002Fage-75","final-expense\u002Fgraded-benefit\u002Fage-75",{"title":254,"path":255,"stem":256},"Final expense at age 80 (graded benefit)","\u002Ffinal-expense\u002Fgraded-benefit\u002Fage-80","final-expense\u002Fgraded-benefit\u002Fage-80",{"title":258,"path":259,"stem":260},"Final expense at age 85 (graded benefit)","\u002Ffinal-expense\u002Fgraded-benefit\u002Fage-85","final-expense\u002Fgraded-benefit\u002Fage-85",{"title":262,"path":263,"stem":264,"children":265,"page":36},"Guaranteed Issue","\u002Ffinal-expense\u002Fguaranteed-issue","final-expense\u002Fguaranteed-issue",[266,270,274,278,282],{"title":267,"path":268,"stem":269},"Final expense at age 65 (guaranteed issue)","\u002Ffinal-expense\u002Fguaranteed-issue\u002Fage-65","final-expense\u002Fguaranteed-issue\u002Fage-65",{"title":271,"path":272,"stem":273},"Final expense at age 70 (guaranteed issue)","\u002Ffinal-expense\u002Fguaranteed-issue\u002Fage-70","final-expense\u002Fguaranteed-issue\u002Fage-70",{"title":275,"path":276,"stem":277},"Final expense at age 75 (guaranteed issue)","\u002Ffinal-expense\u002Fguaranteed-issue\u002Fage-75","final-expense\u002Fguaranteed-issue\u002Fage-75",{"title":279,"path":280,"stem":281},"Final expense at age 80 (guaranteed issue)","\u002Ffinal-expense\u002Fguaranteed-issue\u002Fage-80","final-expense\u002Fguaranteed-issue\u002Fage-80",{"title":283,"path":284,"stem":285},"Final expense at age 85 (guaranteed issue)","\u002Ffinal-expense\u002Fguaranteed-issue\u002Fage-85","final-expense\u002Fguaranteed-issue\u002Fage-85",{"title":287,"path":288,"stem":289,"children":290,"page":36},"No Medical Exam","\u002Ffinal-expense\u002Fno-medical-exam","final-expense\u002Fno-medical-exam",[291,295,299,303,307],{"title":292,"path":293,"stem":294},"Final expense at age 65 (no medical exam)","\u002Ffinal-expense\u002Fno-medical-exam\u002Fage-65","final-expense\u002Fno-medical-exam\u002Fage-65",{"title":296,"path":297,"stem":298},"Final expense at age 70 (no medical exam)","\u002Ffinal-expense\u002Fno-medical-exam\u002Fage-70","final-expense\u002Fno-medical-exam\u002Fage-70",{"title":300,"path":301,"stem":302},"Final expense at age 75 (no medical exam)","\u002Ffinal-expense\u002Fno-medical-exam\u002Fage-75","final-expense\u002Fno-medical-exam\u002Fage-75",{"title":304,"path":305,"stem":306},"Final expense at age 80 (no medical exam)","\u002Ffinal-expense\u002Fno-medical-exam\u002Fage-80","final-expense\u002Fno-medical-exam\u002Fage-80",{"title":308,"path":309,"stem":310},"Final expense at age 85 (no medical exam)","\u002Ffinal-expense\u002Fno-medical-exam\u002Fage-85","final-expense\u002Fno-medical-exam\u002Fage-85",{"title":312,"path":313,"stem":179,"children":314,"page":36},"Inal Expense","\u002Final-expense",[315,321],{"title":199,"path":316,"stem":201,"children":317,"page":36},"\u002Final-expense\u002Fdiabetics",[318],{"title":319,"path":320,"stem":320},"Final expense at age 75 (type 2 diabetes)","final-expense\u002Fdiabetics\u002Fage-75",{"title":220,"path":322,"stem":222,"children":323,"page":36},"\u002Final-expense\u002Ffixed-income",[324,327],{"title":325,"path":326,"stem":326},"Final expense at age 70 (fixed income)","final-expense\u002Ffixed-income\u002Fage-70",{"title":328,"path":329,"stem":329},"Final expense at age 85 (fixed income)","final-expense\u002Ffixed-income\u002Fage-85",{"title":331,"path":332,"stem":333},"American Coverage Advisor","\u002F","index",{"title":335,"path":336,"stem":337,"children":338},"Iul","\u002Fiul","iul",[339,342,356,381,406,431,455],{"title":340,"path":336,"stem":341},"Indexed Universal Life","iul\u002Findex",{"title":343,"path":344,"stem":345,"children":346,"page":36},"California","\u002Fiul\u002Fcalifornia","iul\u002Fcalifornia",[347],{"title":348,"path":349,"stem":350,"children":351,"page":36},"Max Funded","\u002Fiul\u002Fcalifornia\u002Fmax-funded","iul\u002Fcalifornia\u002Fmax-funded",[352],{"title":353,"path":354,"stem":355},"Max Funded IUL for a 35-Year-Old in California","\u002Fiul\u002Fcalifornia\u002Fmax-funded\u002Fage-35","iul\u002Fcalifornia\u002Fmax-funded\u002Fage-35",{"title":357,"path":358,"stem":359,"children":360,"page":36},"Cash Value","\u002Fiul\u002Fcash-value","iul\u002Fcash-value",[361,365,369,373,377],{"title":362,"path":363,"stem":364},"cash value accumulation IUL at age 30","\u002Fiul\u002Fcash-value\u002Fage-30","iul\u002Fcash-value\u002Fage-30",{"title":366,"path":367,"stem":368},"cash value accumulation IUL at age 35","\u002Fiul\u002Fcash-value\u002Fage-35","iul\u002Fcash-value\u002Fage-35",{"title":370,"path":371,"stem":372},"cash value accumulation IUL at age 40","\u002Fiul\u002Fcash-value\u002Fage-40","iul\u002Fcash-value\u002Fage-40",{"title":374,"path":375,"stem":376},"cash value accumulation IUL at age 45","\u002Fiul\u002Fcash-value\u002Fage-45","iul\u002Fcash-value\u002Fage-45",{"title":378,"path":379,"stem":380},"cash value accumulation IUL at age 50","\u002Fiul\u002Fcash-value\u002Fage-50","iul\u002Fcash-value\u002Fage-50",{"title":382,"path":383,"stem":384,"children":385,"page":36},"Catch Up","\u002Fiul\u002Fcatch-up","iul\u002Fcatch-up",[386,390,394,398,402],{"title":387,"path":388,"stem":389},"catch-up funding IUL at age 30","\u002Fiul\u002Fcatch-up\u002Fage-30","iul\u002Fcatch-up\u002Fage-30",{"title":391,"path":392,"stem":393},"catch-up funding IUL at age 35","\u002Fiul\u002Fcatch-up\u002Fage-35","iul\u002Fcatch-up\u002Fage-35",{"title":395,"path":396,"stem":397},"catch-up funding IUL at age 40","\u002Fiul\u002Fcatch-up\u002Fage-40","iul\u002Fcatch-up\u002Fage-40",{"title":399,"path":400,"stem":401},"catch-up funding IUL at age 45","\u002Fiul\u002Fcatch-up\u002Fage-45","iul\u002Fcatch-up\u002Fage-45",{"title":403,"path":404,"stem":405},"catch-up funding IUL at age 50","\u002Fiul\u002Fcatch-up\u002Fage-50","iul\u002Fcatch-up\u002Fage-50",{"title":407,"path":408,"stem":409,"children":410,"page":36},"College Funding","\u002Fiul\u002Fcollege-funding","iul\u002Fcollege-funding",[411,415,419,423,427],{"title":412,"path":413,"stem":414},"education funding IUL at age 30","\u002Fiul\u002Fcollege-funding\u002Fage-30","iul\u002Fcollege-funding\u002Fage-30",{"title":416,"path":417,"stem":418},"education funding IUL at age 35","\u002Fiul\u002Fcollege-funding\u002Fage-35","iul\u002Fcollege-funding\u002Fage-35",{"title":420,"path":421,"stem":422},"education funding IUL at age 40","\u002Fiul\u002Fcollege-funding\u002Fage-40","iul\u002Fcollege-funding\u002Fage-40",{"title":424,"path":425,"stem":426},"education funding IUL at age 45","\u002Fiul\u002Fcollege-funding\u002Fage-45","iul\u002Fcollege-funding\u002Fage-45",{"title":428,"path":429,"stem":430},"Education funding IUL at age 50","\u002Fiul\u002Fcollege-funding\u002Fage-50","iul\u002Fcollege-funding\u002Fage-50",{"title":348,"path":432,"stem":433,"children":434,"page":36},"\u002Fiul\u002Fmax-funded","iul\u002Fmax-funded",[435,439,443,447,451],{"title":436,"path":437,"stem":438},"max funded IUL at age 30","\u002Fiul\u002Fmax-funded\u002Fage-30","iul\u002Fmax-funded\u002Fage-30",{"title":440,"path":441,"stem":442},"max funded IUL at age 35","\u002Fiul\u002Fmax-funded\u002Fage-35","iul\u002Fmax-funded\u002Fage-35",{"title":444,"path":445,"stem":446},"max funded IUL at age 40","\u002Fiul\u002Fmax-funded\u002Fage-40","iul\u002Fmax-funded\u002Fage-40",{"title":448,"path":449,"stem":450},"max funded IUL at age 45","\u002Fiul\u002Fmax-funded\u002Fage-45","iul\u002Fmax-funded\u002Fage-45",{"title":452,"path":453,"stem":454},"max funded IUL at age 50","\u002Fiul\u002Fmax-funded\u002Fage-50","iul\u002Fmax-funded\u002Fage-50",{"title":456,"path":457,"stem":458,"children":459,"page":36},"Tax Free Retirement","\u002Fiul\u002Ftax-free-retirement","iul\u002Ftax-free-retirement",[460,464,468,472],{"title":461,"path":462,"stem":463},"tax-free retirement IUL at age 30","\u002Fiul\u002Ftax-free-retirement\u002Fage-30","iul\u002Ftax-free-retirement\u002Fage-30",{"title":465,"path":466,"stem":467},"tax-free retirement IUL at age 35","\u002Fiul\u002Ftax-free-retirement\u002Fage-35","iul\u002Ftax-free-retirement\u002Fage-35",{"title":469,"path":470,"stem":471},"tax-free retirement IUL at age 45","\u002Fiul\u002Ftax-free-retirement\u002Fage-45","iul\u002Ftax-free-retirement\u002Fage-45",{"title":473,"path":474,"stem":475},"tax-free retirement IUL at age 50","\u002Fiul\u002Ftax-free-retirement\u002Fage-50","iul\u002Ftax-free-retirement\u002Fage-50",{"title":477,"path":478,"stem":337,"children":479,"page":36},"Ul","\u002Ful",[480],{"title":456,"path":481,"stem":458,"children":482,"page":36},"\u002Ful\u002Ftax-free-retirement",[483],{"title":484,"path":485,"stem":485},"tax-free retirement IUL at age 40","iul\u002Ftax-free-retirement\u002Fage-40",{"title":487,"path":488,"stem":489,"children":490},"Mortgage Protection","\u002Fmortgage-protection","mortgage-protection",[491,494,506,522,539,559],{"title":492,"path":488,"stem":493},"Mortgage Protection Insurance","mortgage-protection\u002Findex",{"title":185,"path":495,"stem":496,"children":497,"page":36},"\u002Fmortgage-protection\u002Farizona","mortgage-protection\u002Farizona",[498,502],{"title":499,"path":500,"stem":501},"Mortgage Protection for a $1,000,000 Balance in arizona","\u002Fmortgage-protection\u002Farizona\u002F1-million","mortgage-protection\u002Farizona\u002F1-million",{"title":503,"path":504,"stem":505},"Mortgage Protection for a $500,000 Balance in Arizona","\u002Fmortgage-protection\u002Farizona\u002F500k","mortgage-protection\u002Farizona\u002F500k",{"title":343,"path":507,"stem":508,"children":509,"page":36},"\u002Fmortgage-protection\u002Fcalifornia","mortgage-protection\u002Fcalifornia",[510,514,518],{"title":511,"path":512,"stem":513},"Mortgage Protection for a $100,000 Balance in California","\u002Fmortgage-protection\u002Fcalifornia\u002F100k","mortgage-protection\u002Fcalifornia\u002F100k",{"title":515,"path":516,"stem":517},"Mortgage Protection for a $500,000 Balance in california","\u002Fmortgage-protection\u002Fcalifornia\u002F500k","mortgage-protection\u002Fcalifornia\u002F500k",{"title":519,"path":520,"stem":521},"Mortgage Protection for a $750,000 Balance in California","\u002Fmortgage-protection\u002Fcalifornia\u002F750k","mortgage-protection\u002Fcalifornia\u002F750k",{"title":523,"path":524,"stem":525,"children":526,"page":36},"Florida","\u002Fmortgage-protection\u002Fflorida","mortgage-protection\u002Fflorida",[527,531,535],{"title":528,"path":529,"stem":530},"Mortgage Protection for a $1,000,000 Balance in florida","\u002Fmortgage-protection\u002Fflorida\u002F1-million","mortgage-protection\u002Fflorida\u002F1-million",{"title":532,"path":533,"stem":534},"Mortgage Protection for a $100,000 Balance in florida","\u002Fmortgage-protection\u002Fflorida\u002F100k","mortgage-protection\u002Fflorida\u002F100k",{"title":536,"path":537,"stem":538},"Mortgage Protection for a $500,000 Balance in florida","\u002Fmortgage-protection\u002Fflorida\u002F500k","mortgage-protection\u002Fflorida\u002F500k",{"title":126,"path":540,"stem":541,"children":542,"page":36},"\u002Fmortgage-protection\u002Fohio","mortgage-protection\u002Fohio",[543,547,551,555],{"title":544,"path":545,"stem":546},"Mortgage Protection for a $1,000,000 Balance in ohio","\u002Fmortgage-protection\u002Fohio\u002F1-million","mortgage-protection\u002Fohio\u002F1-million",{"title":548,"path":549,"stem":550},"Mortgage Protection for a $250,000 Balance in Ohio","\u002Fmortgage-protection\u002Fohio\u002F250k","mortgage-protection\u002Fohio\u002F250k",{"title":552,"path":553,"stem":554},"Mortgage Protection for a $500,000 Balance in Ohio","\u002Fmortgage-protection\u002Fohio\u002F500k","mortgage-protection\u002Fohio\u002F500k",{"title":556,"path":557,"stem":558},"Mortgage Protection for a $750,000 Balance in ohio","\u002Fmortgage-protection\u002Fohio\u002F750k","mortgage-protection\u002Fohio\u002F750k",{"title":560,"path":561,"stem":562,"children":563,"page":36},"Texas","\u002Fmortgage-protection\u002Ftexas","mortgage-protection\u002Ftexas",[564,568,572,576,580],{"title":565,"path":566,"stem":567},"Mortgage Protection for a $1,000,000 Balance in texas","\u002Fmortgage-protection\u002Ftexas\u002F1-million","mortgage-protection\u002Ftexas\u002F1-million",{"title":569,"path":570,"stem":571},"Mortgage Protection for a $250,000 Balance in texas","\u002Fmortgage-protection\u002Ftexas\u002F250k","mortgage-protection\u002Ftexas\u002F250k",{"title":573,"path":574,"stem":575},"Mortgage Protection for a $500,000 Balance in Texas","\u002Fmortgage-protection\u002Ftexas\u002F500k","mortgage-protection\u002Ftexas\u002F500k",{"title":577,"path":578,"stem":579},"Mortgage Protection for a $750,000 Balance in Texas","\u002Fmortgage-protection\u002Ftexas\u002F750k","mortgage-protection\u002Ftexas\u002F750k",{"title":581,"path":582,"stem":583,"children":584,"page":36},"Self Employed","\u002Fmortgage-protection\u002Ftexas\u002Fself-employed","mortgage-protection\u002Ftexas\u002Fself-employed",[585],{"title":586,"path":587,"stem":588},"Mortgage Protection Insurance for Self-Employed Texas Homeowners","\u002Fmortgage-protection\u002Ftexas\u002Fself-employed\u002F250k","mortgage-protection\u002Ftexas\u002Fself-employed\u002F250k",{"title":590,"path":591,"stem":489,"children":592,"page":36},"Ortgage Protection","\u002Fortgage-protection",[593,605,614,623,629],{"title":185,"path":594,"stem":496,"children":595,"page":36},"\u002Fortgage-protection\u002Farizona",[596,599,602],{"title":597,"path":598,"stem":598},"Mortgage Protection for a $100,000 Balance in Arizona","mortgage-protection\u002Farizona\u002F100k",{"title":600,"path":601,"stem":601},"Mortgage Protection for a $250,000 Balance in arizona","mortgage-protection\u002Farizona\u002F250k",{"title":603,"path":604,"stem":604},"Mortgage Protection for a $750,000 Balance in arizona","mortgage-protection\u002Farizona\u002F750k",{"title":343,"path":606,"stem":508,"children":607,"page":36},"\u002Fortgage-protection\u002Fcalifornia",[608,611],{"title":609,"path":610,"stem":610},"Mortgage Protection for a $1,000,000 Balance in california","mortgage-protection\u002Fcalifornia\u002F1-million",{"title":612,"path":613,"stem":613},"Mortgage Protection for a $250,000 Balance in california","mortgage-protection\u002Fcalifornia\u002F250k",{"title":523,"path":615,"stem":525,"children":616,"page":36},"\u002Fortgage-protection\u002Fflorida",[617,620],{"title":618,"path":619,"stem":619},"Mortgage Protection for a $250,000 Balance in Florida","mortgage-protection\u002Fflorida\u002F250k",{"title":621,"path":622,"stem":622},"Mortgage Protection for a $750,000 Balance in Florida","mortgage-protection\u002Fflorida\u002F750k",{"title":126,"path":624,"stem":541,"children":625,"page":36},"\u002Fortgage-protection\u002Fohio",[626],{"title":627,"path":628,"stem":628},"Mortgage Protection for a $100,000 Balance in Ohio","mortgage-protection\u002Fohio\u002F100k",{"title":560,"path":630,"stem":562,"children":631,"page":36},"\u002Fortgage-protection\u002Ftexas",[632],{"title":633,"path":634,"stem":634},"Mortgage Protection for a $100,000 Balance in Texas","mortgage-protection\u002Ftexas\u002F100k",{"title":636,"path":637,"stem":638,"children":639},"Term Life","\u002Fterm-life","term-life",[640,643,673,694,719,744,765],{"title":641,"path":637,"stem":642},"Term Life Insurance","term-life\u002Findex",{"title":644,"path":645,"stem":646,"children":647,"page":36},"Age 30","\u002Fterm-life\u002Fage-30","term-life\u002Fage-30",[648,652,656,660,664],{"title":649,"path":650,"stem":651},"$1,000,000 term life at age 30","\u002Fterm-life\u002Fage-30\u002F1-million","term-life\u002Fage-30\u002F1-million",{"title":653,"path":654,"stem":655},"$2,000,000 term life at age 30","\u002Fterm-life\u002Fage-30\u002F2-million","term-life\u002Fage-30\u002F2-million",{"title":657,"path":658,"stem":659},"$250,000 term life at age 30","\u002Fterm-life\u002Fage-30\u002F250k","term-life\u002Fage-30\u002F250k",{"title":661,"path":662,"stem":663},"$500,000 term life at age 30","\u002Fterm-life\u002Fage-30\u002F500k","term-life\u002Fage-30\u002F500k",{"title":665,"path":666,"stem":667,"children":668,"page":36},"No Exam","\u002Fterm-life\u002Fage-30\u002Fno-exam","term-life\u002Fage-30\u002Fno-exam",[669],{"title":670,"path":671,"stem":672},"$100,000 term life at age 30, no exam","\u002Fterm-life\u002Fage-30\u002Fno-exam\u002F100k","term-life\u002Fage-30\u002Fno-exam\u002F100k",{"title":674,"path":675,"stem":676,"children":677,"page":36},"Age 40","\u002Fterm-life\u002Fage-40","term-life\u002Fage-40",[678,682,686],{"title":679,"path":680,"stem":681},"$1,000,000 term life at age 40","\u002Fterm-life\u002Fage-40\u002F1-million","term-life\u002Fage-40\u002F1-million",{"title":683,"path":684,"stem":685},"$250,000 term life at age 40","\u002Fterm-life\u002Fage-40\u002F250k","term-life\u002Fage-40\u002F250k",{"title":665,"path":687,"stem":688,"children":689,"page":36},"\u002Fterm-life\u002Fage-40\u002Fno-exam","term-life\u002Fage-40\u002Fno-exam",[690],{"title":691,"path":692,"stem":693},"$100,000 term life at age 40, no exam","\u002Fterm-life\u002Fage-40\u002Fno-exam\u002F100k","term-life\u002Fage-40\u002Fno-exam\u002F100k",{"title":695,"path":696,"stem":697,"children":698,"page":36},"Age 50","\u002Fterm-life\u002Fage-50","term-life\u002Fage-50",[699,703,707,711],{"title":700,"path":701,"stem":702},"$2,000,000 term life at age 50","\u002Fterm-life\u002Fage-50\u002F2-million","term-life\u002Fage-50\u002F2-million",{"title":704,"path":705,"stem":706},"$250,000 term life at age 50","\u002Fterm-life\u002Fage-50\u002F250k","term-life\u002Fage-50\u002F250k",{"title":708,"path":709,"stem":710},"$500,000 term life at age 50","\u002Fterm-life\u002Fage-50\u002F500k","term-life\u002Fage-50\u002F500k",{"title":665,"path":712,"stem":713,"children":714,"page":36},"\u002Fterm-life\u002Fage-50\u002Fno-exam","term-life\u002Fage-50\u002Fno-exam",[715],{"title":716,"path":717,"stem":718},"$100,000 term life at age 50, no exam","\u002Fterm-life\u002Fage-50\u002Fno-exam\u002F100k","term-life\u002Fage-50\u002Fno-exam\u002F100k",{"title":720,"path":721,"stem":722,"children":723,"page":36},"Age 60","\u002Fterm-life\u002Fage-60","term-life\u002Fage-60",[724],{"title":665,"path":725,"stem":726,"children":727,"page":36},"\u002Fterm-life\u002Fage-60\u002Fno-exam","term-life\u002Fage-60\u002Fno-exam",[728,732,736,740],{"title":729,"path":730,"stem":731},"$1,000,000 term life at age 60, no exam","\u002Fterm-life\u002Fage-60\u002Fno-exam\u002F1-million","term-life\u002Fage-60\u002Fno-exam\u002F1-million",{"title":733,"path":734,"stem":735},"$2,000,000 term life at age 60, no exam","\u002Fterm-life\u002Fage-60\u002Fno-exam\u002F2-million","term-life\u002Fage-60\u002Fno-exam\u002F2-million",{"title":737,"path":738,"stem":739},"$250,000 term life at age 60, no exam","\u002Fterm-life\u002Fage-60\u002Fno-exam\u002F250k","term-life\u002Fage-60\u002Fno-exam\u002F250k",{"title":741,"path":742,"stem":743},"$500,000 term life at age 60, no exam","\u002Fterm-life\u002Fage-60\u002Fno-exam\u002F500k","term-life\u002Fage-60\u002Fno-exam\u002F500k",{"title":745,"path":746,"stem":747,"children":748,"page":36},"Age 70","\u002Fterm-life\u002Fage-70","term-life\u002Fage-70",[749],{"title":665,"path":750,"stem":751,"children":752,"page":36},"\u002Fterm-life\u002Fage-70\u002Fno-exam","term-life\u002Fage-70\u002Fno-exam",[753,757,761],{"title":754,"path":755,"stem":756},"$1,000,000 term life at age 70, no exam","\u002Fterm-life\u002Fage-70\u002Fno-exam\u002F1-million","term-life\u002Fage-70\u002Fno-exam\u002F1-million",{"title":758,"path":759,"stem":760},"$100,000 term life at age 70, no exam","\u002Fterm-life\u002Fage-70\u002Fno-exam\u002F100k","term-life\u002Fage-70\u002Fno-exam\u002F100k",{"title":762,"path":763,"stem":764},"$500,000 term life at age 70, no exam","\u002Fterm-life\u002Fage-70\u002Fno-exam\u002F500k","term-life\u002Fage-70\u002Fno-exam\u002F500k",{"title":523,"path":766,"stem":767,"children":768,"page":36},"\u002Fterm-life\u002Fflorida","term-life\u002Fflorida",[769],{"title":665,"path":770,"stem":771,"children":772,"page":36},"\u002Fterm-life\u002Fflorida\u002Fno-exam","term-life\u002Fflorida\u002Fno-exam",[773],{"title":774,"path":775,"stem":776,"children":777,"page":36},"20 Year","\u002Fterm-life\u002Fflorida\u002Fno-exam\u002F20-year","term-life\u002Fflorida\u002Fno-exam\u002F20-year",[778],{"title":779,"path":780,"stem":781},"20-Year No-Exam Term Life Insurance for $500,000 in Florida","\u002Fterm-life\u002Fflorida\u002Fno-exam\u002F20-year\u002F500k","term-life\u002Fflorida\u002Fno-exam\u002F20-year\u002F500k",{"title":783,"path":784,"stem":638,"children":785,"page":36},"Erm Life","\u002Ferm-life",[786,795,801,810],{"title":674,"path":787,"stem":676,"children":788,"page":36},"\u002Ferm-life\u002Fage-40",[789,792],{"title":790,"path":791,"stem":791},"$2,000,000 term life at age 40","term-life\u002Fage-40\u002F2-million",{"title":793,"path":794,"stem":794},"$500,000 term life at age 40","term-life\u002Fage-40\u002F500k",{"title":695,"path":796,"stem":697,"children":797,"page":36},"\u002Ferm-life\u002Fage-50",[798],{"title":799,"path":800,"stem":800},"$1,000,000 term life at age 50","term-life\u002Fage-50\u002F1-million",{"title":720,"path":802,"stem":722,"children":803,"page":36},"\u002Ferm-life\u002Fage-60",[804],{"title":665,"path":805,"stem":726,"children":806,"page":36},"\u002Ferm-life\u002Fage-60\u002Fno-exam",[807],{"title":808,"path":809,"stem":809},"$100,000 term life at age 60, no exam","term-life\u002Fage-60\u002Fno-exam\u002F100k",{"title":745,"path":811,"stem":747,"children":812,"page":36},"\u002Ferm-life\u002Fage-70",[813],{"title":665,"path":814,"stem":751,"children":815,"page":36},"\u002Ferm-life\u002Fage-70\u002Fno-exam",[816,819],{"title":817,"path":818,"stem":818},"$2,000,000 term life at age 70, no exam","term-life\u002Fage-70\u002Fno-exam\u002F2-million",{"title":820,"path":821,"stem":821},"$250,000 term life at age 70, no exam","term-life\u002Fage-70\u002Fno-exam\u002F250k",{"id":823,"title":448,"addons":824,"age_band":825,"audience":826,"author":331,"body":827,"citations":925,"compliance":932,"coverage_amount":932,"cta":933,"description":932,"estimated_cost":934,"extension":940,"faq":941,"head":932,"intent":942,"kind":943,"last_reviewed":944,"meta":945,"navigation":946,"ogImage":932,"path":449,"query_term":947,"related_paths":948,"reviewed_by":932,"robots":932,"schemaOrg":932,"seo":949,"sitemap":950,"state":932,"stem":450,"term_length":932,"type":337,"underwriting":932,"unique_hooks":951,"__hash__":952},"content\u002Fiul\u002Fmax-funded\u002Fage-45.md",[],"45","max funded",{"type":828,"value":829,"toc":910},"minimark",[830,835,839,843,846,860,864,867,870,874,877,881,884,888,893,896,900,903,907],[831,832,834],"h2",{"id":833},"direct-answer","Direct answer",[836,837,838],"p",{},"Max funded IUL at age 45 usually means pushing premium close to the policy’s funding limit while staying inside the 7702 limits that keep the contract from becoming a MEC. At 45, the time horizon is still long enough for accumulation, but it is shorter than it would be at 35, so the policy needs cleaner crediting, tighter premium control, and more attention to charges. If the goal is later policy-loan access, the design has to support that from the start; the premium pattern and death benefit choice matter more than the marketing label.",[831,840,842],{"id":841},"who-this-permutation-is-for","Who this permutation is for",[836,844,845],{},"This setup fits a 45-year-old who can fund a large, steady premium and wants a permanent life policy that leaves room for tax-advantaged policy loans later if the contract is structured for that purpose. It also fits buyers who want the policy sized around the MEC corridor instead of a smaller death benefit with less premium room. The age 45 time horizon gives more room than a late-career application, but not enough room to ignore ongoing costs, loan design, or the impact of a weak index year.",[836,847,848,849,853,854,853,857],{},"Related paths: ",[850,851,852],"a",{"href":336},"IUL hub",", ",[850,855,856],{"href":453},"Age 50 max funded IUL",[850,858,859],{"href":445},"Age 40 max funded IUL",[831,861,863],{"id":862},"what-changes-the-price-or-payout","What changes the price or payout",[836,865,866],{},"The monthly range stays illustrative because carrier pricing changes with health class, contract charges, and the chosen death benefit. For max funded IUL at age 45, the big drivers are the cost of insurance, policy fees, the premium load, the selected cap, the floor, and the participation rate on the index strategy. A higher cap can improve upside crediting, but it often comes with tradeoffs in other policy costs or design limits. A 0% floor can soften down years, yet the internal deductions still continue, so aggressive funding needs enough margin to support the contract through ordinary index cycles.",[836,868,869],{},"The payout side depends on how much premium the contract can absorb before MEC pressure rises, how the cash value is credited over time, and how much is later taken through loans. A max-funded design at 45 can build meaningful cash value, but the path is sensitive to charges and to the sequence of index results. If the policy is underfunded early or overloaned later, the net outcome can shift quickly.",[831,871,873],{"id":872},"underwriting-eligibility-for-these-parameters","Underwriting \u002F eligibility for these parameters",[836,875,876],{},"Age 45 is old enough that underwriting starts to matter as much as premium appetite. Carriers will look at health, occupation, tobacco use, family history, income, and the requested face amount. The funding design also has to fit 7702 and MEC rules, so the death benefit is not just a formality; it is part of the premium limit math. For a max funded case, the application has to line up with carrier guidelines and the intended premium schedule from the start.",[831,878,880],{"id":879},"when-it-is-a-bad-fit","When it is a bad fit",[836,882,883],{},"Max funded IUL at age 45 is a poor fit when the premium is likely to stop before the policy has had time to stabilize, because the contract still has to carry policy charges and index risk. It is also a poor fit when the main plan is to tap loans before age 65 without a cushion for lapse risk, because loan balances can compound against the policy if crediting is weak or premiums are reduced. A 45-year-old who needs simple, predictable accumulation may also find the cap, floor, participation rate, and fees too constraining for the result they want.",[831,885,887],{"id":886},"faqs","FAQs",[889,890,892],"h3",{"id":891},"how-much-can-a-45-year-old-fund-into-a-max-funded-iul-without-triggering-mec-status","How much can a 45-year-old fund into a max funded IUL without triggering MEC status?",[836,894,895],{},"The exact limit depends on the death benefit, carrier illustration, and 7702 testing. A max funded design usually pushes premium close to the MEC boundary, but the allowable amount is case-specific and must be checked against the policy’s funding pattern.",[889,897,899],{"id":898},"is-age-45-still-early-enough-for-max-funded-iul","Is age 45 still early enough for max funded IUL?",[836,901,902],{},"Yes, age 45 can still give a workable accumulation window, but the time horizon is shorter than at younger ages. That means the policy has less time to absorb charges and weaker index years, so the design needs to be more disciplined.",[889,904,906],{"id":905},"what-is-the-main-risk-if-the-policy-is-used-before-age-65","What is the main risk if the policy is used before age 65?",[836,908,909],{},"Loan and lapse risk rises when policy loans start too early or get too large relative to cash value. If crediting slows and the loan balance keeps growing, the contract can become harder to keep in force unless premiums and loan management stay conservative.",{"title":911,"searchDepth":912,"depth":912,"links":913},"",2,[914,915,916,917,918,919],{"id":833,"depth":912,"text":834},{"id":841,"depth":912,"text":842},{"id":862,"depth":912,"text":863},{"id":872,"depth":912,"text":873},{"id":879,"depth":912,"text":880},{"id":886,"depth":912,"text":887,"children":920},[921,923,924],{"id":891,"depth":922,"text":892},3,{"id":898,"depth":922,"text":899},{"id":905,"depth":922,"text":906},[926,929],{"title":927,"url":928},"26 U.S.C. § 7702","https:\u002F\u002Fwww.law.cornell.edu\u002Fuscode\u002Ftext\u002F26\u002F7702",{"title":930,"url":931},"NAIC — Life insurance","https:\u002F\u002Fcontent.naic.org\u002Fcipr-topics\u002Flife-insurance",null,"\u002Fquote",{"base_monthly":935,"min_monthly":936,"max_monthly":937,"noise_pct":938,"agitator_seed":450,"update_ms":939},360,295,439,0.06,1800,"md",[],"commercial","policy","2026-09-14",{},true,"max funded iul age 45",[336,453,445],{"title":448},{"loc":449},[],"KVJ19tzmWaknRiotllg_oMTvvn0lmNa2WqZFA-RDkxI",[],1789440054719]