IUL : Indexed Universal Life Insurance

An IUL or Indexed Universal Life policy is product that offers both a permanent death benefit as well as cash value that compounds throughout the life of the policy that you have access to.

Should you choose to access the cash value of your policy, you have the option to take funds in the form of a "loan", and because it is a loan it is not taxable income.  Additionally, when your beneficiary receives the death benefit in the event of your passing. It too, is not considered taxable income

An IUL can be structured one of 3 ways:

• Growth: You want to build and/or supplement your retirement and not as worried about maximizing the death benefit.
• Protection: You already have a solid retirement strategy in place, but need a sizeable life insurance policy to protect your family.
• Both: You need another retirement solution and you want to have enough protection in place to make sure your family is taken care of.

We listen to your needs and build the IUL to suit your specific situation.

Living Benefits give the policy holder access to a large portion of the death benefit in the event of a chronic or terminal illness and/or chronic injury.  Statistically, over 70% of the US population will have a "Qualifying Event" before the age of 60.  An IUL with Living Benefits will ease the financial burden on you and your family.

Lastly and most importantly, for those who qualify for an IUL you have accomplished 2 things. First, as your money grows and compounds you will have access to the cash value to help with life's little surprises or to aide in retirement. Secondly, you will have established a permanent death benefit. Ensuring that your family is taken care of in the event of your passing.

• 18-55yrs old (we also have carriers that offer children's policies/IUL's)
• $300/+ monthly contribution minimum
• Under $300/mo is available in "Protection Focused" policies
• Healthy (no major medical issues)
• Employed or verifiable income
• Checking or Savings account (online only not accepted; chime, green dot, netspend, etc.)