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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.

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Family Together

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?

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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!

Moms and Babies
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