Corebridge Financial

4. 指数型寿险 IUL：Value Protector IUL & Accumulator IUL
Corebridge 的 IUL 不是只给你一个“万能 IUL”，而是按用途分成两条主线：

• Value Protector IUL（偏保障型）：
这类 IUL 更偏向“长期寿险保护 + 一定程度现金价值”，适合：
- 想要一张可以放到 70–80 岁甚至终身的保单；
- 想从 term 转向长期保障，但又不想走太激进的“贷款型 IUL”；
- 比较看重保额的稳定性、保费的可承受性。
在设计上，Value Protector 更像是“加强版的终身寿险 + 灵活现金价值”：
- 死亡给付效率较高；
- 现金价值增长不是“冲业绩型”，而是稳稳来；
- 很适合做“家庭安全网”、“遗产底线”这类用途。

• Accumulator IUL（偏累积/现金值型）：
这条线是给“真心要用 IUL 做资产规划”的人用的，适合：
- 高收入家庭做税延累积 / 补充退休金；
- 计划未来用保单贷款做被动现金流；
- 想兼顾身故保障 + 长期现金价值增长。
Accumulator IUL 一般会：
- 允许更高比例的前期资金灌入（在 IRS 限制内最大化 funding）；
- 设计的指数策略更偏向长期复利和稳健表现；
- 贷款条款相对友好，但不会鼓励极端杠杆。
这类 IUL 如果由专业人士用“合理 funding + 保守 loan 假设”搭配使用，很适合做：
- 退休后多一桶免税现金流；
- 未来给孩子一笔有弹性的家族资金。

5. Term 寿险（最长期可至 35 年）
Corebridge 的 term 产品一大特色是：
- 保障期间可以做到 35 年，比很多公司常见的 20/30 年更长；
- 对于三十多岁、想一口气 cover 到 60+ 岁退休、又暂时不想马上买大额 IUL 的客户，35 年 term 是非常实用的选项；
- 也常见的用法是：前期用大额 term 把家庭“底线风险”兜住，同时用较小额度的 IUL 提前开始资产累积，后续可以视收入与规划进展逐步从 term 过渡到更多永久寿险。

整体来看，Corebridge 的产品线可以覆盖：
- 退休现金流（FIA、收入型年金）；
- 长期保障与传承（Value Protector IUL + 35 年 term）；
- 累积与税务规划（Accumulator IUL）；
适合用“组合搭配”的方式做完整资产与保障设计。

4. Index UL: Value Protector IUL & Accumulator IUL
Corebridge does not treat IUL as a one-size-fits-all tool; it offers two distinct tracks:

• Value Protector IUL (protection-oriented):
Designed for long-term death benefit with moderate cash value, suitable for:
- Clients who want coverage into their 70s, 80s, or for life;
- Those transitioning from term to permanent coverage without pursuing aggressive loan strategies;
- Families that care about stable coverage and manageable premiums.
Structurally, Value Protector behaves like a “modern lifetime protection chassis with flexible cash value”:
- Efficient death benefit;
- Steady, not hype-driven cash-value growth;
- Often used as a family safety net or estate baseline.

• Accumulator IUL (accumulation/cash-value-oriented):
Built for clients who truly plan to use IUL in their asset strategy, such as:
- High earners seeking tax-deferred accumulation and supplemental retirement income;
- Clients planning for future policy loans as a secondary cash-flow bucket;
- Those wanting both protection and long-term cash-value growth.
Accumulator IUL generally:
- Allows more flexible funding within IRS limits;
- Uses index strategies engineered for long-term compounding instead of short-term spikes;
- Offers loan features that support income planning without encouraging extreme leverage.
When designed with reasonable funding and conservative loan assumptions, Accumulator IUL can:
- Provide an additional stream of tax-advantaged cash flow in retirement;
- Function as a flexible family capital account for future opportunities.

5. Term life (level term up to 35 years)
Corebridge’s term life standout feature is:
- Level term periods available up to 35 years, longer than the typical 20/30-year options;
- Ideal for clients in their 30s who want coverage into their 60s without re-underwriting or immediate large permanent premiums;
- Commonly used with a “combo strategy”: large term coverage to secure core risks, plus a smaller IUL started early for accumulation, with room to transition from term to more permanent coverage over time.

Taken together, Corebridge’s product structure supports:
- Retirement income (FIA and income annuities);
- Long-term protection and legacy (Value Protector IUL + long-duration term);
- Cash-value growth and tax planning (Accumulator IUL);
and is well-suited to combination strategies rather than single-product solutions.