What Is Indexed Universal Life Insurance?

Build a Compound Interest Tax Free Retirement

Discover the Wealth Secrets of the IUL

The power of permanent life insurance combines the financial security of traditional insurance, with a built-in cash reserve that compounds tax free!

IUL insurance offers both a death benefit and a cash value component. The cash value component of an IUL policy is linked to the performance of a specific market index, often the S&P 500.

They also have a guaranteed minimum interest rate, which may be as high as 2%, but the floor is usually set at 0%.

By attaching performance to a stock market index, policyholders earn a higher return than they could with a type of cash value policy that has the interest rate set by the insurer. The minimum, at the same time, protects against loss if the market does poorly.

For retirement planning, IUL policies can be used to accumulate cash value that can be accessed through loans or withdrawals during retirement. This cash value grows tax-deferred, meaning you don’t pay taxes on the growth until you withdraw it. And because withdrawals are considered loans against the policy’s cash value, they are generally tax-free, providing a potential source of income in retirement.

Benefits of Indexed Universal Life Insurance

⭐️Less expensive than whole life⭐️Cash value increases, faster, and gives you the ability for your cash value to increase by participating in the stock market with zero downside risk ...Even years when the stock market goes down, your insurance policy cash value is guaranteed to go up ⭐️Flexible, payment schedule allows you to stop or skip policy payments if needed for a particular period of low income or high expenses ⭐️Very low interest loan availability literally creates a "virtual bank"--- specifically built and controlled by and for you

Why hasn't my financial advisor ever told me about this?

Reason 1: Most financial advisors don’t know that an account like this exists. Nor, do they know how to set it up to be legally tax-free for the account holder.

Reason 2: Most financial advisors recommend financial vehicles that the company they've contracted with… tells them to recommend.

Reason 3: They don’t want to take a pay cut! In IRAs and 401Ks, advisors charge fees and commissions on the deferred tax liability, which drives up your investing cost.

As a result, less than 0.07% of Americans have what we call a compound interest account set up—while more than half the population has a taxable 401(k) or similar tax-deferred retirement account.

With a Tax-Deferred 401(k) or IRA...

*You must pay taxes (either in advance or when you're taking income in the future).

*Your money is not liquid (you can't access your money any time you want, and if you do a hardship withdrawal, you're heavily penalized).

*You are limited to how much you invest (plans with most tax benefits have annual funding limits).

*Your money is not guaranteed (the money in your 401(k) or IRA may increase in up markets but accordingly will decline in falling markets).

*You are required to report your earnings to the IRS. (Everything in a 401(k) or IRA is Uncle Sam’s business.)

                      -----VS---- 

A Compound Interest Account with an IUL...

*You don’t pay taxes on growth or principal. Ever. ( This is 100% legal if your account is set up correctly, and structured according to current IRS tax-code.)

*Positive Interest is GUARANTEED every year regardless of stock market fluctuation. (Average historical returns of 5-7% annually – tax-free, and net of fees and costs)

*Your Account is GUARANTEED not to go backwards. (Lock in gains when the market is up, but suffer NO loss when the market is down)

Your money is Liquid. (Take money out any time you want – for any reason – without penalty – WHILE 100% of your money continues to earn interest.)

*You are not required to report money you take out to the IRS. (The IRS doesn’t consider money taken out as ‘income’ – so there’s no tax. It's none of their business!)

RECAPPING---Benefits of Indexed Universal Life Insurance

⭐️Less expensive than whole life

⭐️Cash value increases, faster, and  gives you the ability for your cash value to increase by participating in the stock market with zero downside risk ...Even years when the stock market goes down, your insurance policy  cash value is guaranteed to go up 

⭐️Flexible, payment schedule allows you to stop or skip policy payments if needed for a particular period of low income or high expenses 

⭐️Very low interest loan availability literally creates a "virtual bank"--- specifically built and controlled by and for you

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Using an IUL policy for retirement can offer you a combination of benefits, including market-linked growth potential, tax-deferred accumulation and life insurance protection. You’ll want to consider the costs, complexity and impact on the death benefit before committing to an IUL as part of your retirement strategy.