Happiness & Security With The Indexed Universal Life Policy
Tax-Free Growth, Permanent Death Benefit, Living Benefits, Tax-Free Withdrawals, College Savings Plan, Market Downside Protection.
Looking for a 401K Alternative that is protected from market losses?
What is an IUL?
An Indexed Universal Life (IUL) policy is a type of permanent life insurance that combines a death benefit with a cash value component that grows based on the performance of a stock market index, such as the S&P 500.
Unlike traditional investments, an IUL offers downside protection, meaning your cash value won’t lose money due to market declines.
It provides flexible premiums and death benefits, allowing policyholders to adjust their coverage as needed. Additionally, the cash value grows tax-deferred, and withdrawals or loans can be tax-free if structured correctly.
This makes an IUL a valuable tool for wealth accumulation, retirement planning, and estate protection while ensuring financial security for your beneficiaries.
We Actively Strive To Exceed Our
Customers' Expectations
Tailored Coverage
Every IUL is built specifically for you: your family, your goals, and your financial situation.
Peace of mind
Tax-Free Growth, Permanent death benefit, Access to cash value, Living Benefits and a 0% floor. Your IUL offers total protection.
Set for life
Regardless of market volatility your IUL cash value has a GUARANTEED 0% floor. It WILL NOT lose money.
25
YEARS
Experience
Our Indexed Universal Life Plans
With access to over 30 A+ rated carriers we will work on your behalf to find the best rates on the market today.
401k Alternative
Affordable premiums.
Professional service.
Continued support.
Benefits of your Indexed Universal Life Policy:
Market Protection
College Savings
Permanent Coverage
Peace of Mind
Tax-Free Withdrawals
Infinite Banking
What could an IUL look like for you?
The "cash value" is yours, tax-free. The death benefit paid to your family is also tax-free.
We use life insurance contracts because the IRS does not consider it (when professionally structured) to be taxable income.
Example IUL: 30yr old Non-Smoker/Good health
Monthly contribution: $750/mo
Death Benefit: $705,000
Cash Value Year 10: $90,500
Cash Value Year 20: $281,709
Cash Value Year 30: $647,316
At age 67 you stop paying premiums.
Age 67 Cash Value: $1,179,663
Age 67 Death Benefit: $1,392,002
Example IUL: 40yr old Non-Smoker/Good health
Monthly contribution: $750/mo
Death Benefit: $502,000
Cash Value Year 10: $87,023
Cash Value Year 20: $271,122
At age 67 you stop paying premiums.
Age 67 Cash Value: $534,216
Age 67 Death Benefit: $630,374
Example IUL: 50yr old Non-Smoker/Good health
Monthly contribution: $750/mo
Death Benefit: $337,827
Cash Value Year 10: $79,451
At age 67 you stop paying premiums.
Age 67 Cash Value: $210,711
Age 67 Death Benefit: $337,827
To pre-qualify complete the form below.
Frequently Asked Question
Is an IUL for everyone?
Unfortunately, Not everyone will qualify for an IUL. Remember that an IUL is a life insurance policy. A persons age and health ultimately dictate their qualification.
How much does it cost?
This is a common question. We structure every IUL on an individual basis. However, to give you an idea we typically start building illustrations using a monthly contribution of 8%-15% of your monthly net earnings. This isn't a hardline just an estimate, as everyone's situation is different.
Can you just email me the information?
The first step is to submit the "pre-qualification" form above. We then schedule a quick 5 minute discovery call to determine eligibility and answer any questions you may have. If we feel an IUL is a good fit we will schedule a virtual meeting where we will build an illustration using your information and financial input to show what the policy will look like and how it will preform. This information will be emailed to you concluding that meeting.
What are "Living Benefits"?
The issue with most types of life insurance is the death benefit is not available until the insured passes away. Statistically over 70% of the US population will have a "Qualifying Event" before the age of 60. A qualifying event would include: terminal illness, critical and/or chronic injury, critical and/or chronic care. Your IUL is built with a Living Benefits clause giving you and your family access to the death benefit should you suffer a qualifying event while you're still alive.
Client’s Give Us Many
Reviews For Us.
Jamie Neal / ER Nurse
Jason built an IUL for me, my husband and our 7yr old daughter. We wanted a policy with a large death benefit to take care of each other in case something ever happened. Our IUL's will allow us access to the cash value as our business grows as well. Not having to pay taxes on those withdrawals was a huge incentive.
Steven O'Neill / Project Manager
To be honest, I almost decided to not get an IUL. I heard "life insurance" and thought this isn't for me. However, we reviewed the illustration and when I learned that the cash value is protected by a 0% floor, and the cash value is available to me at any point, I was on-board. I set up an IUL with a set monthly contribution, and throughout the year I put my bonuses from my employer in it. As I'm nearing retirement in the next 10yrs, it's comforting knowing my cash value is protected unlike my 401k.
30 +
A+ Rated Carriers
80K +
Satisfied Clients
100%
Success Rate
Get In Touch
Assistance Hours
Mon – Sat 9:00am – 8:00pm
Sunday – CLOSED
Phone Number:
949-763-4186
