![concept-piece-download-30064-funding-permanent-insurance-with-an-immediate-annuity](https://cdn.ashbrokerage.com/uploads/_960x600_crop_center-center_none/concept-piece-download-funding-permanent-insurance-with-an-immediate-annuity.png)
Here's a funding solution for clients who seek the protection of permanent life insurance, with the added benefits of an indexed universal life. Using a SPIA to fund the IUL, they can potentially increase death benefits while maximizing cash value for withdrawal opportunities.