Market protection with upside potential
Tax-deferred growth
Annual 10% free withdrawal
Lifetime income options
This is the foundation of your legacy planning strategy - protecting capital while giving you liquidity.
Instead of cashing out or letting the funds sit idle, redirect the 10% penalty-free withdrawal into a Cash Value Life Insurance Policy - such as a Indexed Universal Life (IUL).
This move builds tax-advantaged wealth for future generations.
Tax-free death benefit
Living benefits for health events
Tax-free income via policy loans (be your own bank)
This is the only asset that grows tax-deferred, protects your family, and provides living benefits.
Client has $522,000 sitting in an old 401(k), unmonitored and vulnerable to market dips
Funds are rolled into a Fixed Indexed Annuity, instantly earing a 30% bonus (+$104,400).
Client uses 10% penalty-free withdrawal (-$62,640) to begin funding a tax-advantanged IUL.
Induced annuity grows 7.8%, IUL cash value begins accumulating tax-free growth.
Tax-free income from IUL, death benefit secured, and annuity continues producing guaranteed income for life.