Sooner or Later, Taxes Are Going A Much Better PlanUp!

On this page you will find general information on tax free retirement plans.

For tax free retirement income specific to your finances, give us a call.

The IUL (index universal life) is growing in popularity at an amazing rate.  Once a wealth accumulation and transfer tool of the wealthy, now middle America is quickly realizing that paying taxes on all of their retirement income is going to dramatically affect their lifestyle. 

The IUL gives you more control over how much you pay in taxes during retirement.  

It also allows you access to your money before 59&1/2, without any penalties, which gives you the opportunity to self bank and pay yourself interest on loans instead of the bank.     

1. You Pay Zero Taxes on the Income from your IUL
2. You can access your money at any time before 591/2 without penalties.
3. You don’t have to take minimum distributions at age 72 OR at any time.
4. No income limits to qualify unlike the Roth IRA
5. No contribution limits unlike the Roth IRA
6. Gives you the ability to Self-Bank, Pay yourself interest (instead of the Bank) for loans.
7. Lowers your tax bracket during your retirement years.
8. Income from your IUL does not affect the amount you can receive from Social Security.
9. Tax free death benefit for your heirs.
10. You are still able to capture market gains, and enjoy NO market losses.
11. All gains are Locked In.
12. Lower lifetime fees than the 401k and most other tax deferred plans. 
13. You and your spouse can contribute to this plan. 
14. Living Benefits. Critical, Chronic and Terminal Coverage