Using an IUL as a Tax-Free Retirement Savings Strategy

IRS-approved Tax Advantaged

No taxes during the accumulation phase
Tax-free policy loans
Tax-free death benefit, protecting loved ones

Market Volatility Protection

Market linked gains without market risk
The previous year’s gains are locked in

Flexibility and Control

Unlike 401K’s and IRA’s, there are no limits on contributions
Not limited based on income
Access to funds before 59 ½

Who Benefits the Most?

High income earners
Individuals who have maxed their retirement accounts
Business owners, IUL’s contributions are not limited based on their 401K Plan
Risk-adverse clients
Younger clients

These days, most clients, if not all, are highly concerned about future market fluctuations eroding their retirement and not being able to retire comfortably. Unbeknownst to your clients, rising taxes could quite possibly pose the largest risk to their retirement goals. Indexed Universal Life Insurance is a cost-effective way to protect their savings from taxes while providing them with supplemental retirement income for their entire lifetime.

—Albert Womble, Life Insurance Specialist, Wealth Watch Partners

January 2021