Tax-Free Retirement Income: Leveraging IRS code sections (like 7702 and 101(a)), a well-structured IUL provides the opportunity to accumulate and withdraw tax-free funds.
When designed by a knowledgeable practitioner, fees can be minimized significantly, making them competitive with or even superior to mutual fund costs over time.
IULs offer market-linked growth with downside protection. You participate in upside potential through index credits, while having a floor (typically 0%) that shields your cash value from losses.
Multiple index options allow for strategic accumulation based on market trends and risk tolerance.
Indexed Universal Life (IUL) insurance combines life insurance protection with a cash value component that grows based on the performance of a market index, such as the S&P 500. Here’s how indexing plays a key role:
S&P 500 Index, Nasdaq 100. Russell 2000, Dow Jones Industrial Average, NASDAQ 100, Gold Commodity, Barclays Trailblazer Sectors 5 Index, Black Rock Market Advantage Index, Morgan Stanley US Equity Allocator Index, Goldman Sachs Global Factor Index
The “power of indexing” in IUL insurance offers a unique blend of growth potential and principal protection, with added flexibility and tax benefits. It’s especially suited for those seeking a conservative approach to wealth accumulation within a life insurance framework.