Creating a Tax Free Retirement
Indexed Universal Life Insurance (IUL) is a versatile financial tool that provides both life insurance protection and the opportunity for tax-advantaged wealth accumulation.
An IUL is a permanent life insurance policy where a portion of your premium goes toward the cost of insurance, and the rest is credited to a cash value account that can grow based on the performance of a market index (like the S&P 500), but with downside protection via a guaranteed floor (typically 0%).
That means:
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You participate in market upside, up to a cap
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You are protected from market losses
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Growth without being taxed
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Penalty free withdrawals
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No required minimum distributions
Features of Index Universal Life
Living Benefits
Cash Value
Death Benefit
Modern IULs often include living benefits, which allow you to access the death benefit early in the event of a chronic, critical, or terminal illness. This can help pay for care, protect your savings, and maintain quality of life during challenging times—all while keeping the policy intact.
One of the biggest advantages of IULs is the ability to access the policy’s accumulated cash value tax-free through policy loans. As long as the policy is properly funded and maintained: -Loans do not trigger a taxable event. -There’s no penalty for accessing funds before age 59½. -You don’t have to “qualify” like you would with traditional loans. This makes IULs a flexible, tax-free source of income in retirement, education funding, or emergency use. IULs create tax free income...for life!
While the cash value is a central feature, it’s easy to forget the core purpose of life insurance: the death benefit. IULs ensure that even if you don’t use all the cash value during your lifetime, your loved ones receive a tax-free lump sum that can be used for: -Income replacement -Final expenses -Generational wealth transfer In essence, the death benefit is the bonus that comes with smart planning—a legacy that keeps giving.
Protection for if you become seriously ill, live too long , or die too soon !
How it works.....
1:1 Personalized consultation
We begin with an in-depth discussion to define your goals, clarify your timeline, and outline a personalized strategy to help you reach your financial objectives.
Tailored illustration and portfolio projection
Next, we’ll turn your goals into numbers. You’ll receive a clear, easy-to-read illustration showing how your IUL policy can grow, what kind of tax-free income it could generate, and how it supports your long-term plan.
Complete, sign, and submit application
With your personalized plan in place, we’ll finalize the application details and submit them for review.
Our goal is to make this step seamless so your protection and tax-free strategy can begin without delay.
Application in review
Your application is then submitted for review. During this stage, the insurance carrier verifies your information to confirm eligibility and determine your coverage details.
We’ll keep you informed every step of the way until your policy is approved.
You receive your personalized plan
Once your application is approved, your personalized IUL plan is finalized and ready to go.
We’ll review everything together so you understand how your plan works and how it supports your financial goals.