Discover the Wealth Secrets of the IUL

Why haven't I heard of an IUL Before?

IULs aren't your typical retirement accounts and therefore are not offered through Employers or Banks. IULS are a specific form of cash value life insurance that have historically been used primarily for generational wealth transfer.

But What's Changed and Why is NOW the Time to Implement One in my planning:

Reason 1: The Newest IULs in 2025 have evolved to offer more living benefits than ever including Medical Leverage, Tax free Cash Growth, and Guaranteed Income for Retirement

Reason 2: For the First time, IULs in 2025 now offer guaranteed rates and benefits allowing for Concrete Planning long term.

Reason 3: Outside of Traditional Roth IRAs, IULs are one of the few places you can safely save and grow dollars with tax free access!

Did you know less than 27% of Americans have any tax free compound interest accounts set up— Which means more than half the population ONLY save in TAXABLE 401(k) or similar tax-deferred retirement accounts!

With A Tax-Deferred 401(k) or Traditional IRA…

  • You must pay taxes ( when you're taking income in the future).

  • Your money is notliquid before Age 59 ½ (if you take withdrawal before 59 ½ you will pay a 10% penalty to the IRS ).

  • You are limited to how much you invest(plans with most tax benefits have annual funding limits).

  • Your money is not guaranteed (the money in your 401(k) or IRA may increase in up markets but accordingly will decline in falling markets).

  • You are required to report your earnings to the IRS. (Everything in a 401(k) or IRA is uncle sam’s business.)

A Compound Interest Account with an IUL…

  • You don’t pay taxes on growth or principal. Ever. ( This is 100% legal if your account is set up correctly, and structured according to the current IRS tax-code.)

  • Average historical returns of 5-7% annually. (Tax-free and based on market performance )

  • Your Accountis GUARANTEED notto go backwards. (Lock in gains when the market is up, but suffer NO loss when the market is down)

  • Your money is Accessible. (Unlike 401k/IRAs– there are no 10% penalties if you decided to take out some funds- even before 59 ½ )

  • You are not required to report money you take outto the IRS. (The IRS doesn’t consider money taken out as ‘income’ – so there’s no tax. It's none of their business!)

And there are many more wonderful fiscal things you can do with an account like this...

But!...

Is It “Too Good To Be True,” You Ask?

Nope. It’s very real.

In fact, the IUL is not a new strategy, but a modern evolution of accounts that have been leveraged for hundreds of years.

Cash Value Life Insurance Policies like these have been used by wealthy individuals and families to build and pass on fortunes in a legal tax-free environment for over 100 years.

Ever been to Disneyland? Did you know Walt Disney’s visionary idea almost never came to fruition?

When Walt was looking for funding for his dream park everyone thought he was crazy and that it would never work… he leveraged everything including his personal home to make it a reality… In the end it was his Cash Value Life Insurance account he leveraged that gave him the liquidity he needed to make it a reality.

How About JCPenney… Ever shopped at one of their stores? You may have never had the opportunity to if it wasn't for His Cash Value Policy Life Insurance account that he leveraged $3 million dollars from during the great depression to meet his company's bills and payroll.

And last but not least… The Rockefellers, one of AMerica's wealthiest families? Ever wondered how they've managed to keep their wealth when others like the Vanderbilts have failed! They’ve been using Cash Value Life Insurance benefits for generations to maintain their wealth!

BUT Just like your car or an IPhone, financial tools are always evolving!

In addition to Tax Advantages, IULs have evolved to solve today's biggest financial burdens:

THE BURDEN OF HEALTHCARE COSTS NOT COVERED BY INSURANCE.

IULs provide Leveraged Cash Benefits if you become diagnosed with a terminal or chronic illness, that you can use to pay for any expenses you want - tax free and never have to be paid back.

THE FEAR OF NOT HAVING ENOUGH OR RUNNING OUT OF INCOME IN RETIREMENT

IULs generate Guaranteed, Tax free cash flow for life bridging any income gaps in retirement and alleviating the worry of outliving your money with a predictable solution you will never outlive!

The only question is…

Do You Qualify For an IUL?

Today’s IUL is NOT JUST FOR the super-rich…

However, an account like this can only be put in place if you or your family qualify for it.

To discover if you qualify for an IUL, click the button below to take our 30 second survey.

To see if you qualify, complete the survey below:

30 seconds to Apply and Pre-Qualify

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By submitting your information, you agree to be contacted by a licensed insurance agent or representative regarding Indexed Universal Life Insurance (IUL) options via phone call, email, or text message, including automated technology or prerecorded messages, even if your number is on a Do Not Call list. You are not required to make any purchase to receive information. Message and data rates may apply. You can opt out at any time by replying “STOP” to any message.

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