The ANICO IUL can provide your client the death benefit protection they need for their family while also providing them an accumulation vehicle in case they need supplemental income. The ANICO IUL allows the owner to allocate cash value balances to either a fixed account or to an equity index account that follows the S&P® 500. The policy owner controls the amount of risk with allocations to the fixed account and indexed account. The policy is simple for the client to understand as its uses the S&P® 500 as the index account, uses an annual point-to-point measuring strategy, a floor of zero to guarantee the client will not lose money, a participation rate of 100% and a competitive cap rate. The ANICO IUL has the Additional Protection Rider which allows you to determine how much coverage your client needs and then dial in the premium your client can afford using this rider to reduce the cost of insurance coverage. The ANICO IUL provides both fixed and variable loan options and overloan protection benefit.