Retirement & Cash Value Strategies
Eliminate Market Risk
Lifetime Income
Cash Value Accumulation
Get your IUL questions answered with our Free Guide "Beyond Banking: The Power Of Indexed Universal Life Insurance"
Get IUL Questions Answered
Get Your Free Ebook Today
Retirement & Cash Value Strategies
Eliminate Market Risk
Lifetime Income
Cash Value Accumulation
Children's College Fund
An IUL plan safeguards your child's college fund without impacting FAFSA. It combines life coverage with savings, growing with the market index. This ensures your family is protected while building a solid educational foundation for your child, making their college aspirations attainable and secure.
Tax-Free Retirement
Discover the power of an IUL plan for a tax-free retirement. It blends life insurance with investment growth tied to market indexes, offering a unique way to accumulate wealth without tax worries. Secure your future with an IUL, ensuring a financially stable retirement while enjoying peace of mind.
Infinite Banking
The Infinite Banking Concept is a financial strategy that involves creating your own personal banking system by leveraging a life insurance policy's cash value. By borrowing against the policy's cash value, individuals can access funds to finance various expenses while maintaining the potential for tax-advantaged growth and control over their financial decisions.
CHOOSE FROM TOP RATED CARRIERS
Get Your IUL
Questions Answered
Get Your Free Ebook Today
Banking Beyond: The Power Of
Index Universal
Life Insurance
Get Your IUL
Questions Answered
Get Your Free Guide Today
Our team is renowned for expertly crafting IUL policies to maximize cash growth with minimal death benefits, ensuring optimal policy performance. With extensive experience in optimizing IUL structures, we provide invaluable education on their proper setup. As the author of "Beyond Banking: Power of Indexed Universal Life Insurance," we offers deep insights into leveraging IUL for financial advancement
Index universal life benefits
Market Participation with Protection: IUL allows you to participate in market gains while safeguarding your principal against market downturns, providing a balance of growth potential and downside protection.
Tax-Advantaged Growth: The cash value in an IUL grows on a tax-deferred basis, allowing you to accumulate wealth more efficiently over time by deferring taxes on the growth until withdrawals are made.
Lifetime Protection and Flexibility: IUL offers a death benefit that provides financial protection for your loved ones, along with the flexibility to adjust premium payments and death benefit amounts to align with your changing needs and circumstances.
Cash Value Accumulation: With IUL, a portion of your premiums goes towards building cash value, which can be accessed during your lifetime for various purposes like supplementing retirement income, funding education, or addressing unexpected financial needs.
our cash Value & retirement Plans
Children's College Fund
An IUL plan safeguards your child's college fund without impacting FAFSA. It combines life coverage with savings, growing with the market index. This ensures your family is protected while building a solid educational foundation for your child, making their college aspirations attainable and secure.
Tax-Free Retirement
Discover the power of an IUL plan for a tax-free retirement. It blends life insurance with investment growth tied to market indexes, offering a unique way to accumulate wealth without tax worries. Secure your future with an IUL, ensuring a financially stable retirement while enjoying peace of mind.
Infinite Banking
The Infinite Banking Concept is a financial strategy that involves creating your own personal banking system by leveraging a life insurance policy's cash value. By borrowing against the policy's cash value, individuals can access funds to finance various expenses while maintaining the potential for tax-advantaged growth and control over their financial decisions.
What is indexed universal life insurance?
Indexed universal life (IUL) insurance is permanent, which means it lasts your entire life and builds cash value. An IUL policy allows for some cash value growth through an equity index account, unlike other universal policies that only grow cash value through non-equity earned rates. Like with all universal life policies, once you've built up enough cash value, you can use it to lower or potentially fully pay for your premium without lowering your death benefit.
How Do Indexed Universal Life Insurance Policies work?
One of the benefits to this type of policy in addition to the death benefit, is its potential to build cash value. You can take cash value from your policy to use for anything you choose via policy loans and withdrawals. Interest is credited based on a fixed rate or how indexed accounts perform. While not directly invested in the stock market, the interest credited to an indexed account is based on the performance of the index.
Each indexed account includes a minimum crediting rate of 0% (the floor) that protects you from market-based loss; it may also include a maximum crediting rate that would limit growth as well (the cap).
How cash value grows in an IUL policy
First of all, you have to choose how you want your cash account to be allocated for growth. Each insurance company has its own selection of indices available and you may be able to choose more than one. You may also be able to allocate a portion to a fixed-rate interest account.
The cap is usually max credit for a specified segment of index participation. Most policies have annual caps, but some policies may have monthly caps. Caps can change at the end of any segment.
Additionally, performance can be impacted by a participation rate set as a percentage of the index’s gain, which is called the “participation rate.” For example, if the reference index rises 10%, and the policy’s participation rate is 50%, the amount allocated to the index would grow by 5%. Most IUL’s have a 3 iul participation rate set at 100%, but that can also change.
our cash Value & retirement Plans
Tax advantages
Like all life insurance, your beneficiaries will receive the death benefit typically free of federal income tax, and growth within the policy is tax-deferred.
Cash value growth potential
You also have the potential to build cash value (“living benefits”) with a portion of your monthly premiums earning interest based on either a fixed rate or on the performance of the indexed accounts.
Flexible premium payments
You decide when (monthly, quarterly, bi-annually, annually) and how much to pay (provided you meet certain minimums).
Index universal life benefits
Market Participation with Protection: IUL allows you to participate in market gains while safeguarding your principal against market downturns, providing a balance of growth potential and downside protection.
Tax-Advantaged Growth: The cash value in an IUL grows on a tax-deferred basis, allowing you to accumulate wealth more efficiently over time by deferring taxes on the growth until withdrawals are made.
Lifetime Protection and Flexibility: IUL offers a death benefit that provides financial protection for your loved ones, along with the flexibility to adjust premium payments and death benefit amounts to align with your changing needs and circumstances.
Cash Value Accumulation: With IUL, a portion of your premiums goes towards building cash value, which can be accessed during your lifetime for various purposes like supplementing retirement income, funding education, or addressing unexpected financial needs.
Our agents are ready to guide you through the process of selecting the insurance plans that best fits your needs and budget.
Infinite Banking Benefits
Tax-Free Growth and Withdrawals: The cash value within an IUL policy grows tax-deferred, meaning you won't pay taxes on the growth as long as it remains within the policy. Additionally, loans taken against the policy's cash value are generally tax-free, allowing you to access funds without triggering a taxable event.
Potential for Higher Returns: IUL policies are linked to market indexes like the S&P 500, offering the potential for higher returns compared to traditional whole life policies. Although the returns are subject to caps and floors, they often outperform fixed-rate life insurance products, especially over the long term.
Policy Loans with No Repayment Schedule: One of the key aspects of infinite banking is the ability to take loans against your policy’s cash value. These loans don’t require a set repayment schedule, allowing you to control the repayment terms. The borrowed amount continues to earn interest as if it were still in the account, effectively allowing you to grow your wealth while using it.
Protection Against Market Downturns: IUL policies typically have a guaranteed minimum interest rate (often 0-1%), meaning your cash value is protected from market losses. Even if the market performs poorly, you won’t lose the principal in your policy’s cash value, which is a significant advantage during market downturns.
Our agents are ready to guide you through the process of selecting the insurance plans that best fits your needs and budget.
Banking Beyond:
The Power Of
Index Universal
Life Insurance?
Get Your IUL
Questions Answered
Get Your Free IUL Guide Today
We specialize in expertly crafting IUL policies to maximize cash growth with minimal death benefits, ensuring optimal policy performance. With extensive experience in optimizing IUL structures, we provide invaluable education on their proper setup. As the author of "Beyond Banking: Power of Indexed Universal Life Insurance," we offer deep insights into leveraging IUL for financial advancement
Get Your IUL
Questions Answered
Get Your Free Ebook Today