Secure Your Future with Indexed Universal Life Insurance
Maximize your retirement savings with a plan that offers life insurance protection, tax-free growth, and market security.
OVERVIEW
Are you looking to maximize your retirement savings? Indexed Universal Life Insurance (IUL) might be the solution you've been searching for.
IUL offers a unique combination of life insurance protection and the potential to build wealth through cash value growth tied to market indexes, without the risk of market losses. It's ideal for those who want to secure their family's future while planning for a comfortable retirement.
Why Indexed Universal Life?
Flexible Contributions
You determine how much you want to contribute based on your comfort level and goals.
Minimum Insurance
We calculate the minimum insurance needed to comply with IRS regulations.
Cash Value Growth
Your contributions grow over time, tax-free, and you can access this cash value when needed.
Be Your Own Bank
Use your IUL like your own personal bank—access funds with a few clicks whenever you need them.
Wealth building
Your IUL becomes a long-term tool for building wealth and financial security.
IUL BENEFITS
MARKET PROTECTION
No need to worry about market volatility—your IUL comes with downside protection, meaning it has a "floor" that protects your cash value from market crashes.
TAX-FREE GROWTH
IUL provides tax-free growth on your investment, so you won't have to worry about capital gains or additional income taxes.
LIFETIME INCOME
With the guaranteed income rider, your IUL ensures you'll never run out of retirement income.
LIVING BENEFITS
Access your death benefit if you become critically, chronically, or terminally ill.
LIQUIDITY
Easily access your cash value to invest in other income-generating assets, such as real estate, or use it for life's unexpected events.
GENERATIONAL WEALTH
Pass down your wealth tax-free to your loved ones, ensuring they are financially secure.
We collaborate with reputable companies to secure the best deal for you.
FACTS
Discover how these facts can work for you —contact us today for more information!
7-8%:
Average growth on the cash value inside of an IUL.
70%:
of Americans are concerned about outliving their retirement funds. An IUL offers a guaranteed payout for life.
Over $200 Billion:
The amount US banks hold in cash value life insurance because of its stability and predictability.
Your financial security is our priority. Complete our 30-second survey and schedule a FREE consultation with our Tax-Free Retirement and IUL Experts. Learn how you can build tax-free wealth, protect your future, and create a legacy for your loved ones.
FREQUENTLY ASKED QUESTIONS
How much should I contribute to my IUL?
It depends on your retirement goals. A general guideline is to contribute 10x your age monthly, but we tailor it to your specific needs.
I heard that the fees are high. Is that true?
When an IUL is set up for maximum cash value, the fees are around 1% of the account value, which is similar to other managed accounts, but with the added benefits of a death benefit and living benefits.
Can I put a large lump sum into my IUL?
Typically, we advise spreading a large lump sum over five years to avoid increasing your cost of insurance and fees.
What happens if the market crashes?
Your IUL has built-in downside protection, meaning your cash value is protected by a "floor" that prevents losses due to market downturns. You'll never lose money due to market volatility.
Can I access my cash value before retirement?
Yes! One of the benefits of an IUL is liquidity. You can access your cash value at any time, tax-free, for any purpose—whether it's for an emergency, investment opportunity, or other life events.
Is an IUL only for retirement planning?
While IULs are excellent for retirement planning, they also provide flexible financial benefits, like tax-free withdrawals, living benefits, and the ability to pass on wealth to your heirs. It’s a versatile tool for both short-term and long-term financial goals.
