Indexed Universal Life  (IUL)

In my opinion, the IUL is an extremely versatile, flexible and valuable product that can provide many solutions to anyone’s portfolio. Here are some of the key features that an IUL can offer:

1. Flexibility

2. Less expensive than Whole Life

3. Market investments don’t ever go down

4. Reduces future (unknown) taxes.Taxes are one of the silent destroyers of wealth.

5. Offers Permanent Death Benefit

6. Offers a Living Benefit

7. Grows Cash Value that can provide a tax-free Income Stream

8. Offers several investment options

9. Indemnity payouts for Living Benefits

An IUL provides so many solutions to anyone’s current, short-term and long-term needs.  Contact me so we can discuss some great ideas and scenarios so you can see some illustrations of the many benefits and solutions and IUL can provide.

Statistics

• 70% of people will need some type of Long Term Care (LTC) which can cripple anyone’s retirement account. Nursing home care is about $10,000/month while stay at home care is about $5,000/month. These rates will only continue to increase. Most people’s savings will be exhausted if a LTC event is needed.

• There is a 90% chance that LTC will be needed if married.

• American Medicine and technology is allowing us to live longer in retirement. We need solutions to protect our assets from taxes, market risk, a LTC event and running out of funds.  An IUL can offer solutions for all of these needs.

Contact me for a free consultation so I can show you illustrations that will highlight these benefits.