

Index Universal Life Insurance is flexible permanent coverage that combines life protection with potential cash value growth tied to a stock market index.
Lifetime coverage with flexible premiums
Builds tax-advantaged cash value
Growth potential linked to market performance (with downside protection)
Can be used for retirement planning or college funding
Families seeking both protection & long-term savings
Professionals building retirement income
Parents planning for children’s future expenses
Anyone wanting permanent coverage with growth potential


Call or fill out our quick
form

We’ll find the best coverage for your needs

Enjoy peace of mind with the right insurance plan
Whether you need life, health, or auto coverage — our local team is ready to help you today.

© All Rights Reserved 2025 | ASJ Insurance & Financial Services Inc.