Leverage Insurance provides education, carrier-issued illustrations, application support, and ongoing service for Indexed Universal Life policies, including Maximum Premium Indexing (MPI™) methodology where appropriate and available.
IUL is permanent life insurance with flexible premiums and cash value crediting tied to one or more market indexes. Crediting is governed by carrier-set caps, floors, spreads, participation rates, and policy charges—not direct ownership of an index.
Maximum Premium Indexing is a branded methodology developed by Curtis Ray for designing and funding certain IUL policies. Any implementation must remain within carrier rules, policy limits, underwriting, and applicable law.
A carrier illustration models policy values under stated assumptions. It includes guaranteed and non-guaranteed elements, charges, death benefit, premiums, and projected cash values. It is not a promise of future performance.
We do not guarantee returns, quote a policy without carrier support, compare insurance to a security, or present tax outcomes as certain. Policy performance depends on funding, charges, crediting, loans, withdrawals, and continued policy management.
Appropriately authorized producers may explain available products, request carrier illustrations, assist with applications, and provide policy service where permitted.
The insurance carrier—not Leverage Insurance—underwrites the applicant, approves coverage, issues the policy, sets policy terms, and determines final eligibility and classification.
When appropriate, we explain the MPI™ methodology and compare it against the actual carrier illustration, policy mechanics, costs, limitations, and alternatives relevant to the client.
Discuss coverage needs, goals, time horizon, budget, state of residence, and the role life insurance may play.
Review carrier-generated values, assumptions, guarantees, charges, death benefit, premiums, and potential policy risks.
The carrier reviews health, financial, identity, and other required information before making a coverage offer.
Review the issued policy, confirm funding instructions, and monitor the contract over time as assumptions and goals change.
The starting point is the amount and duration of life insurance protection needed—not a projected cash value target.
Permanent insurance is generally a long-term commitment. Early surrender may produce limited value and can involve surrender charges.
Premiums should be supportable through changing income and expenses. Underfunding can materially affect policy performance and duration.
Eligibility and pricing are determined by the carrier after underwriting. Self-reported information is not an approval or rate classification.
This page is educational and is not a quote, policy illustration, recommendation, tax opinion, legal opinion, or investment advice. Product availability, features, producer licensing, carrier appointments, and policy forms vary by state and carrier.
No life insurance product guarantees market returns. Policy loans and withdrawals reduce available cash value and death benefit and may create tax consequences, especially if a policy lapses or is surrendered. Consult qualified tax and legal professionals regarding your circumstances.
MPI™ is a third-party methodology. Insurance policies are issued solely by the carrier, subject to underwriting, contract terms, and applicable law.
Share your state, coverage goals, questions, and preferred timing. Product and producer availability will be confirmed before any recommendation or application.