What is Indexed Universal Life Insurance (IUL)?
IUL is a flexible permanent life insurance policy that provides:
Life Insurance Protection: Ensures your loved ones are financially secure in the event of your passing.
Cash Value Growth: Builds cash value over time, tied to the performance of a market index like the S&P 500.
Key Benefits of an IUL
Market-Linked Growth with Protection
Your cash value grows based on a market index's performance, but it’s protected from market downturns with a 0% floor.
Tax Advantages
Tax-Free Growth: Cash value grows tax-deferred.
Tax-Free Withdrawals: Access funds for retirement, emergencies, or other goals without tax penalties, if done properly.
Flexible Premiums
You can adjust your premium payments to fit your budget.
Wealth Transfer
Pass on wealth efficiently to your loved ones, potentially free from income taxes.
Supplemental Retirement Income
Use the cash value as an additional source of retirement income through policy loans without depleting your death benefit.
Why Do People Choose IUL?
IUL is a great option if you’re looking for:
Long-term financial security with life insurance protection.
A way to grow wealth safely while avoiding market risks.
A tax-advantaged way to supplement retirement income.
If you'd like, we can share examples or provide a personalized illustration to show how this could work for your specific financial goals. Let us know!
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