Global Accumulator
planning

Strengthen your potential accumulation

Global Accumulator is an indexed universal life (IUL) insurance policy that offers SMART Buy-Up indexed strategies for individuals looking to acquire more accumulation potential, for an additional charge. If you select a Buy-Up strategy, the potential growth in your Account Value is enhanced by the strategy’s Buy-Up Add-On. Our SMART design helps protect your policy’s ability to withstand charges related to the Buy-Up strategies.

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Introducing SMART Buy-Ups

Buy-Ups are designed to deliver additional crediting opportunities, for a charge, potentially increasing the credits you receive by as much as 110%. However, some competitive products have charge structures that can put the policy in jeopardy. 

Our SMART design helps protect your policy’s ability to withstand the Buy-Up strategy charge while continuing to give you the opportunity to take advantage of the strategy’s greater upside potential.

Global Accumulator offers two Buy-Up indexed strategies:

SMART Buy-Up Secure:
SMART Buy-Up Secure provides a 25% Add-On to any indexed interest credit received. 

Why is it SMART?
The policy cannot participate in this strategy unless the Account Value Enhancement (currently 1.25%) has been applied in the prior year, which generally occurs following the fifth policy year. The charge for this strategy is currently 1.25% of the segment value.


SMART Buy-Up Performance:
SMART Buy-Up Performance provides a 110% Add-On to any indexed interest credit received. 

Why is it SMART?
This Buy-Up Add-On is only available when the Account Value, less any outstanding policy loans, exceeds a stated funding percentage of the policy amount. The charge for this strategy is currently 5.25% of the segment value.
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Product Highlights

product detail
  • Includes 5 indexed strategies and 1 fixed-term strategy to help you customize your accumulation approach

  • SMART Buy-Up strategies provide flexible options for greater accumulation potential

  • Our SMART design helps protect your policy’s ability to withstand charges related to the Buy-Up strategies. At any time, if the Buy-Up qualifications are not met, the Buy-Up Add-On Charge will not be assessed and no Buy-Up Add-On will be available.

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Find the SMART path to accumulation.

Speak to your life insurance professional about Global Accumulator today.