What Is An IUL?

A type of permanent life insurance that builds cash value from the stock market.
Has the ability to multiply your cash value over time, while protecting your family in the event you pass away.

Safely Invest Your Money

The cash value in your policy is tied to an index like the S&P 500.
The policy only participates in the GAINS in the market.
The policy protects from DROPS in the market.
Risk-free way to earn large interest rates on your money.

What Benefits Do I Get With An IUL

Death benefit- your family receives money when you pass away.
Living benefits- borrow against the death benefit if you become critically or chronically ill.
Accumulate cash- save up for big purchases such as a car or a down payment on a house. Borrow from your policy instead of a bank.
Retirement income- have a steady stream of income in retirement.

Use YOUR Money

Borrow against your cash value through a policy loan or withdraw cash value.
There are no restrictions regarding how you can use your money. You can buy a car, a house, use it for college tuition, you name it.
Borrow against your cash value as a form of retirement income.
Become critically, chronically, or terminally ill? Borrow against the death benefit to pay for medical bills or use as a form of income replacement.

Who Is An IUL Best For?

Individuals who want to grow their money quickly.
Individuals who are willing to invest in their future.
Individuals who want a stream of income in retirement.
Individuals who want to protect their loved ones when they pass away.
Did you know you can start an IUL for a newborn baby?

Did you say a newborn baby?

Insurance is based on age and health.

A child is the perfect candidate for life insurance, especially an IUL.

Let's run an illustration of a two year old female whose parents started her an IUL. They want to pay $50 a month ($600 a year) until she is 65. At the age of 65 they want her to stop having to pay the $600 a year, and enjoy the money.

Age: 2

Gender: Female

Monthly Premium: $50

Total premium paid at age 65: $37,800

Total cash accumulation at age 65: $288,050

Death benefit amount at age 65: $435,990

Annual retirement income starting at age 65: $20,242

Because you locked in the cost of insurance for the rest of their life, investing just $600 dollars a year, has the potential to turn into $288k. And you put in less than $40k.

Sound too good to be true?

Not everyone can qualify for this type of policy.
- You must be healthy in order to qualify for an IUL.
- The sooner the better (even a newborn can apply for an IUL).
Not every agent knows how to structure them for optimal cash value.
- It is important to work with an agent who specializes in IULs or the policy could lapse (cancel).
- This occurs when the policy is not funded correctly.
"Good things take time"
- The policy takes years to accumulate cash value, but it is worth the wait!