- It is a life insurance policy first – which provides a Tax-Free Death Benefit.
- It has fees, just like all insurance products but when set up properly can become as low as .25%
- It is linked but not in the market allowing for growth on the upside and no losses on the downside.
- Your policy’s cash value Grows Tax Deferred.
- You can take out Policy Loans, Tax Free, before the age of 59½ .
- You can create a Guaranteed Tax-Free Income for Life through policy loans.
- It can provide a Tax-Free Death Benefit that avoids probate.
- Helps provide financial security at nearly any stage of life that you may be in.
Indexed Universal Life (IUL)
WHAT IS AN IUL?
Ask me about showing you your very own customized MAX FUNDIND IUL. To help you dramatically increase your Tax Free Retirement Income, Investment Opportunities, Death Benefits and more. All the while…keeping your cost of insurance down to the lowest possible cost for MAXIMUM INCOME GROWTH POTENTIAL.
SIX REASONS YOU SHOULD HAVE AN IUL
- If you want to supplement your retirement with tax free income.
- If you are concerned about taxation in the future.
- If you don’t want negative returns from the market.
- If you have maxed out qualified contributions.
- If you are a business looking to insure key employees.
- If you want to leave a Probate and Tax-Free legacy to your loved ones.
IF YOUR MONEY IS IN THE MARKET AND DROPS 50%, HOW MUCH DOES IT NEED TO GROW TO BREAK EVEN AGAIN.
IT ISN’T 50%, RATHER 100% TO BREAK EVEN!
GET A FREE ILLUSTRATION SHOWING WHAT YOUR INCOME AND RETIREMENT POTENTIAL CAN BE WITH AN IUL
Indexed Universal Life products are not an investment in the “market” or in the applicable index and are subject to all policy fees and charges normally associated with most universal life insurance. Life insurance policies have terms under which the policy may be continued in force or discontinued. Current risk rates and interest rates are not guaranteed. Therefore, the planned periodic premium may not be sufficient to carry the contract to maturity. The index Accounts are subject to caps and precipitation rates. In no case will the interest credited be less than 0 percent. The policy’s death benefit is paid upon the death of the insured. The policy does not continue to accumulate cash value and excess interest after the insured’s death. Distributions are taken through loans and withdrawals, which reduce a policy’s cash surrender value and death benefit and may cause the policy to lapse. Loans are not considered income and are tax-free. Withdrawals and surrenders are tax-free up to the cost basis, provided the policy is not a MEC.