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all right so index universal life express through me drab omaha im gonna go over what is it when to use it and then how to write the e-app its the only e-app that requires an illustration everything else that you write does not require an illustration this is the only thing that does and you have to get the client to sign on the illustration so theres an added level of complexity what is it universal life is a permanent form of protection and index means that they tie it they peg it to the stock market so they take the cash value and they put into an indexing fund and the indexing is pegged to the stock market now lets say the stock market goes to zero for the next five years indexing means that all gains are locked in and losses you do not participate in meaning that the stock market goes to you stay level the cash value never goes down okay the opposite of this is whats called a variable product a variable universal life means that it the money literally gets put into a fund an