Take the Risk out of Your Retirement
Supplement your retirement income with an investment vehicle that gives you better peace of mind.
The Future is Uncertain
No one knows for sure how much interest rates will be in the future, or what will happen to the cost of living, or how much tax we will pay on our income 10, 20, or 30 years from now.
There are big swings in the markets
The cost of living is always rising
Tax rates are unpredictable
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401Ks/IRAs Don’t Protect Against Those
Uncertainties
Your 401K and IRA can increase in value when the market is doing well, and decrease dramatically when it’s down. Unless you have a Roth IRA, the income you withdraw at retirement might be taxed at a really high rate! Furthermore, these plans can be costly.
When you retire, you will be taxed on the money you take from your 401(k)/IRA
When the market goes down, so do your account balances
401(k)s/IRAs 401(k)s/IRAs have multiple layers of fees which are subject to change
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What should we be worried about today?
It’s hard to predict what tomorrow will bring. The further out we look the harder it is to trust the predictions we make. But we can use history and experience to make informed guesses.
Our next market correction is likely to be big
NATIONAL DEBT OF UNITED STATES
Meet an acknowledged IUL expert
As an acknowledged IUL expert helped hundreds of people learn how to double their retirement income, earn an above-average rate of return, and access emergency cash at any time without taxes or panties. And As one client said an "IUL can be a very savvy vehicle for retirement planning and saving far beyond the life insurance benefit."
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It’s time to put another arrow in your quiver
Now, more than ever, it’s important to make sure that at least a portion of your retirement savings is protected against these uncertainties and gives you peace of mind. You can use a traditional death benefit, an IUL life insurance policy, to provide low-risk living benefits.
1. Zero is your hero. Properly structured IULs prevent you from experiencing losses.
2. When you use an IUL for income, you are borrowing not withdrawing, so you keep earning interest on the total value.
3. Income you borrow from your IUL while you are living is not taxed.
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Make sure all your arrows are well designed and fly straight.
Not all IULs are structured the same way. Before you add an IUL to your retirement strategy you need to be sure it’s designed to perform the way you want it to.
Balance the highs and lows with an agreed cap on gains and floor on loss
Know when you will have enough equity in the policy so you can borrow
Know how much you have to contribute and when to lower your costs
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An IUL is not for everyone
Just like most investments, not everyone can take advantage of the benefits an IUL can offer and not everyone is able to make the commitment or eligible to hold an IUL policy.
You must be in reasonably good health
You have to have post-tax income you can invest in your retirement of at least $15K annually
You have to be willing to forego a tax deduction today for future benefits
