Super-Charged Exit Strategies Using Life Insurance
“IUL on Steroids”
Imagine investing in these nervous economic times knowing that you will be immune from losses. The secret behind this seductive option for high net worth executives and business owners looking for income tax protection, and tax-free wealth building, is the hottest cash value life insurance product on the market right now— Indexed Universal Life Insurance (IUL).
Most IULs can be used to create a deferred compensation package. A 2017 deal that received a lot of publicity was crafted for University of Michigan head coach Jim Harbaugh, who reportedly became the nation’s top-paid football coach. His package will reportedly save him millions in tax-free retirement.
But a comprehensive IUL product released by one of America’s industry leaders is outpacing the rest with its creativity and flexibility to maximize its wealth building benefits. It is our experience and knowledge to “super charge” the design of this product that sets us apart.
Here are some of the highlights of what we call “IUL on Steroids:”
- Allows cash value within the policy to grow tax-free over time.
- Funded with post-tax dollars so clients can withdraw money tax-free at any age.
- The cash value is protected from drops in the market.
- The policy has both a death benefit and a savings portion.
- Investments are put into a strategy that mirrors an index such as the S&P 500, which allows participants to realize all or most of the gains in the market. These gains are then locked in to protect against potential losses.
- Provides more flexibility than an IRA or 401 (k) because of tax-free withdrawals annually.
- No age limit as to when the client can withdraw the money tax-free, without penalties.
- An IUL can be the answer for those trying to catch up on retirement savings.
- Perfect for those who want big upside potential without big downside risks.
These benefits are why we are industry leaders in IUL packages for our clients and Financial Advisor partners, whose clients are looking for results-driven, wealth-building solutions. But we don’t believe in a one-product approach. If IUL is not the right fit, we have many other options that might be better for your retirement needs. Let our specialists help you identify prospects.
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