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IUL policy
Indexed universal life is a permanent life insurance policy that ties a portion of your premiums to stock market indexes like the S&P 500 and provides the opportunity for tax-advantaged growth through a typical 'participation rate' of up to 7-9% annually. The best part? If the market takes a downturn, you wouldn't lose money as the guaranteed floor is often 0%. It may sound too good to be true but savvy investors have been using this investment vehicle for decades.
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Our IUL policies allow you to invest and grow your premiums by pinning returns to market indexes such as the S&P 500 or Nasdaq 100. You will have the potential for tax-advantaged growth of up to 7-9% on your cash value with a guaranteed floor (often 0%) that helps protect your value against market downturns. Plus there are no income restrictions unlike most other tax advantaged investment vehicles.
You can spend the money from your cash-value on whatever you need and still have a death benefit from your active policy that protects your beneficiaries when you pass. We provide a best of-both-worlds experience where your loved ones are covered in the future while you can build wealth today for a future of your own.
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Advantages of IUL.
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• Low price: The policyholder bears the risk, so the premiums are low.
•Cash value accumulation: Amounts credited to the cash value grow tax deferred. The cash value can pay the insurance premiums, allowing the policyholder to reduce or stop making out-of-pocket premium payments.
•Flexibility: The policyholder controls the amount risked in indexed accounts, and the death benefit amounts can be adjusted as needed. Most IUL insurance policies offer a host of optional riders, from death benefit guarantees to no-lapse guarantees.
•Death benefit: This benefit is permanent, not subject to income or death taxes, and not required to go through probate.
• Less risk: The policy is not directly invested in the stock market, thus reducing risk.
• Easier distribution: The cash value in IUL insurance policies can be accessed at any time without penalty, regardless of a person's age.
• Unlimited contribution: IUL insurance policies have no limitations on annual contributions.