Grow Wealth Tomorrow From Seeds Today

Welcome to a world of tax-efficient wealth accumulation. With an Indexed Universal Life (IUL) insurance policy your cash value accumulates tax-deferred. This means you won’t pay taxes on the growth of your cash value until you make withdrawals or surrender the policy, allowing your money to grow faster over time. Unlike traditional investment vehicles, the cash value in your IUL policy can be accessed tax-free through policy loans and withdrawals, provided certain conditions are met. This gives you greater flexibility and control over your financial future.

With an IUL policy, a portion of your premiums is allocated to a cash value account, which earns interest based on the performance of one or more stock market indices, such as the S&P 500 or the Nasdaq-100. This allows your cash value to participate in market gains, providing the potential for higher returns compared to traditional savings accounts or fixed-interest investments.

Indexed returns in IUL insurance offer the best of both worlds – the potential for market-linked growth without the risk of market downturns. While your cash value earns interest based on the performance of the underlying indices, your principal is protected from market losses, ensuring that your wealth continues to grow even during volatile market conditions.

Over time, the indexed returns earned on your cash value can compound, allowing your wealth to grow exponentially. The longer you hold your IUL policy, the greater the potential for accumulated wealth, providing a solid financial foundation for your future.

Special policies designed for children are the ideal solution for people who wish to maximize future returns while providing a comprehensive protection plan for their loved one. These IULs can be written for children as young as six months old and secure their future in 3 critical ways.

The insured would have the option to borrow against the cash value using policy loans. These loans allow them to access a portion of their cash value without liquidating the policy or triggering taxable events.

Even when they take out a policy loan, their remaining cash value continues to participate in market gains, allowing the policy to continue growing over time. This ensures that their financial future remains secure, even as they access their wealth.

These policy loans often take the form of college tuition, wedding, down payment on a house, or any other capital intense life event.

With an IUL policy, your loved one will have the option to receive income disbursements during retirement, providing a reliable source of income to supplement other retirement savings, such as pensions, 401(k)s, and Social Security.

Income disbursements are funded by the cash value accumulated in the IUL policy over time. They can access their cash value through policy loans or withdrawals, allowing them to enjoy retirement with peace of mind knowing their financial needs are covered.

While your loved one enjoys the benefits of income disbursements in retirement, the death benefit in their IUL policy remains intact to provide financial security for their loved ones in the event of their passing, ensuring their long-term family stability.

Everyone loves the peace of mind that comes with income disbursements in Indexed Universal Life insurance!

Unlike term life insurance, which provides coverage for a specific period, IUL insurance offers permanent protection that lasts a lifetime. As long as you keep your policy in force, your loved ones will have the peace of mind of knowing they’re protected no matter what life may bring.

While the cash value component of an IUL policy may be tied to the performance of market indices, the death benefit is not subject to market fluctuations. Your beneficiaries will receive the full death benefit amount regardless of market conditions, providing added stability and security.

The death benefit in an IUL policy is flexible according to your goals. Reach out for a custom illustration.

Starting an Indexed Universal Life Insurance policy does not require a large amount of money down. With an IUL, funding couldn’t be easier. You can choose from various premium payment options, including monthly, quarterly, semi-annual, or annual payments, allowing you to customize your policy to fit your budget and financial goals.

With the right funding strategy, you have the potential to get back more than you put into your IUL policy. By leveraging policy loans and withdrawals against your cash value, you can access your wealth while still allowing it to grow, creating a powerful wealth-building tool for your financial future.

Depending on your goals, you can usually start a child IUL for as little as $100 a month. Reach out to learn more!