Discover the Tax Free Wealth Benefits Of

Index Universal Life

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What Benefits of IULs interest you the most? ( Check all that apply)

Tax- Free Income

Market Upside with No Downside Risk

Flexible Premiums

Loan and Withdrawal Options

What Is Your Current Age

About how much can you or are you able to save each month?

Less Than $300

$300-$500

$500-$1,000

More than $1,000

Are you looking for a financial product that provides both life insurance coverage and potential for cash value growth?

Yes

No

Not Sure

What other financial products do you currently have in your portfolio? (Select all that apply):

401k Or Other Employer Sponsored Retirement Plans

IRA Account(s)

Holding Cash

Other Investments

What is your resident state

How Many years are you looking to commit to a financial solution?

Less than 5 years

10 -20 years

More than 20 years

Not sure

Name of person we are making report for

What email do we send your complimentary report? *

Best phone number to reach you if we need additional info. *

I agree to terms & conditions provided by the company. By providing my phone number, I agree to receive text messages from the business.

What is Index Universal Life (IUL)?

Indexed universal life insurance is a type of permanent coverage, which means it can last your entire life and build cash value. Unlike other types of universal life, an IUL policy places the cash value in sub-accounts that mirror a stock index, such as the S&P 500. As an alternative to indexed accounts, IUL policies also offer fixed account options that earn interest at a set rate.

How Index Universal Life Insurance works?

Adjustable premiums and death benefit

As with universal life, IUL premiums are adjustable. If you ever decide to skip a premium payment or underpay, the cost of insurance and policy expenses are deducted from your cash value. You may also be able to adjust the death benefit amount if your needs change. However, you may be asked to complete a life insurance medical exam if you apply to increase your coverage.

Cash value accumulation

The cash value is placed in one or more sub-accounts that mirror the performance of a stock or bond index, such as the S&P 500. You can choose which accounts to invest in based on what the insurer has to offer. The insurer then pays interest to policyholders based on the performance of the index. As the index goes up, the account earns interest. If the index drops, the account earns less or nothing.

Tax Advantages

Enjoy potential tax advantages with IUL. Policyholders may have the opportunity to access cash values through withdrawals or loans on a tax-favored basis, providing flexibility in managing their financial resources.

Living benefits and riders

IUL policies may offer living benefits and optional riders, allowing policyholders to access funds for critical illness, chronic illness, or long-term care needs. These additional features enhance the policy's versatility and can provide financial support during unexpected circumstances.

What is Mortgage Protection?

Mortgage protection insurance is a type of life insurance policy that is designed to pay off a person's mortgage in the event of their death. The policy provides a death benefit to the policy's beneficiaries, which can be used to pay off the outstanding balance on the mortgage.

Here are a few of the benefits of Mortgage Protection

It provides financial protection to the policyholder's loved ones

If the policyholder dies, the death benefit from the mortgage protection insurance policy can be used to pay off the outstanding balance on the mortgage. This can provide financial protection to the policyholder's loved ones, ensuring that they are not left with a large mortgage debt to pay off.

It can help protect the policyholder's investment in their home

A mortgage is typically a person's largest financial investment, and losing the home to foreclosure due to an unexpected death can be financially devastating. Mortgage protection insurance can help protect the policyholder's investment in their home, ensuring that their loved ones can continue to live in the home even if the policyholder dies.

It can provide peace of mind

Purchasing mortgage protection insurance can provide peace of mind, knowing that your loved ones will be financially protected in the event of your death. It can help you feel confident that your loved ones will be able to maintain their standard of living and continue to live in your home, even if you are no longer there to provide for them.

It is typically less expensive than other types of life insurance

Because mortgage protection insurance is specifically designed to provide financial protection for a person's mortgage, it is typically less expensive than other types of life insurance. This can make it more affordable for many people to purchase this type of coverage.

Things to Consider:

Market Participation and Cap Rates:

Understand the policy's participation rate in market indexes and any imposed cap rates on returns. While IUL provides market-linked growth, knowing the limitations or caps can help set realistic expectations regarding potential returns.

Flexibility and Premium Adjustments:

Evaluate the flexibility the policy offers in adjusting premiums and death benefits. Ensure that the policy aligns with your changing financial needs, allowing you to adapt to circumstances such as income fluctuations or changes in life goals.

Policy Charges and Expenses

Charges and expenses associated with the policy, such as cost of insurance, administrative fees, and rider charges. Understanding these costs is crucial for assessing the overall performance and efficiency of the IUL policy..