Why do future IUL JUMPs require new underwriting? Learn why each planned JUMP involves additional death-benefit approval, what the carrier may evaluate, and why future JUMPs should never be treated as guaranteed.
Can an IUL replace a 401(k) for retirement? Not literally. But a properly designed IUL may potentially perform some of the retirement-income functions people expect from a 401(k). Here’s how to compare the two without confusing fundamentally different strategies.
Should you intentionally take withdrawals from a Traditional IRA to fund an IUL? Learn how taxes, timing, RMDs, policy funding, loan mechanics, and projected retirement income should be compared before moving a dollar.
Can you move IRA money into an IUL without paying taxes? Learn why an IUL is not a tax-free IRA rollover destination, what happens when Traditional IRA money is used to fund life insurance, and what to compare before making the move.
Can you roll a 401(k) directly into an IUL? Learn why an IUL is not a tax-free rollover destination, what can happen if you use a 401(k) distribution to fund life insurance, and how to compare the strategies correctly.
Should you max out your 401(k) before funding an IUL? Compare the employer match, taxes, Roth options, liquidity, insurance need and projected retirement income before deciding where the next dollar goes.
Already maxing out your 401(k)? See when an IUL may deserve a place beside it, how the JUMP Strategy works, and what the retirement-income math should prove first.
Solo 401(k) or IUL for a business owner? Compare tax benefits, contribution flexibility, Roth options, retirement taxes, market risk, policy loans and projected retirement income.
SEP IRA or IUL for a business owner? Compare tax deductions, contribution flexibility, retirement taxes, RMDs, market exposure, policy loans and projected retirement income.
IUL or 457(b) for retirement? Compare taxes, employer benefits, investment risk, retirement access, RMDs, policy loans and projected retirement income before deciding.