Life Insurance & Indexed Universal Life (IUL)
Protecting families and business continuity with Term, Permanent Whole Life, and Indexed Universal Life (IUL) featuring downside market protection and living benefits.
Authorized Carrier Network
Nationwide
View Carrier ↗Nationwide Heritage® & Effortless Life
Transamerica
View Carrier ↗Trendsetter® & Financial Foundation IUL
Pacific Life
View Carrier ↗Pacific Indexed Accumulator & Horizon
Corebridge Financial
QoL Flex Term with Accelerated Living Benefits
Indexed Universal Life (IUL) Growth Engine
Simulate how market index participation, the guaranteed 0% floor, and IRS Section 7702 tax-free loans compound your retirement nest egg.
Projected Tax-Free Income
$42,082 / yr
from age 65 to 90+
Your Plan Inputs
Annual: $6,000/year
Based on historical S&P 500 index segments with cap & 0% floor.
Projected Cash Value Accumulation
Comparing IUL with 0% Downside Floor vs. Volatile Taxable Brokerage
Total Invested
$180,000
over 30 years
Lifetime Tax-Free Income
$1,052,050
From age 65 to 90
Family Death & Living Benefit
$866,390
Tax-free inheritance protection
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Key Strategic Benefits
- ✓Tax-Free Death Benefit transfer directly to named beneficiaries without probate delays.
- ✓Living Benefits riders covering Chronic, Critical, and Terminal illnesses without extra cost.
- ✓Indexed Universal Life (IUL) cash value growth linked to market indices with a guaranteed 0% floor against market loss.
- ✓Tax-free policy loans and withdrawals for supplemental retirement income or college funding.
- ✓Business solutions including Key Person Insurance and Buy-Sell Agreement funding.
Indexed Universal Life (IUL) vs. Traditional Term
While term insurance provides affordable temporary protection, Indexed Universal Life (IUL) combines permanent life insurance with flexible cash value accumulation. Your money participates in market index upside (like the S&P 500) up to an annual cap, but is shielded with a guaranteed 0% annual minimum floor when markets decline.
- Zero Downside Market Risk: Your principal and previously locked-in gains are never lost due to market corrections.
- Tax-Favored Accumulation: Cash value grows tax-deferred under IRS Section 7702.
- Arbitrage Policy Loans: Access capital during retirement tax-free while the underlying index interest continues to compound.
Living Benefits: Financial Protection While You're Alive
Modern life insurance policies do far more than pay out upon death. With Accelerated Death Benefit Riders (Living Benefits), you can access a significant portion of your death benefit tax-free if you experience a heart attack, stroke, cancer diagnosis, or chronic loss of daily living activities.
Frequently Asked Questions
Q: How does the 0% floor in an IUL protect against market losses?
When you fund an IUL, your money is not directly invested in the stock market equities. Instead, the insurer credits interest based on the upward movement of an index (such as the S&P 500). If the index drops by 20% in a year, the insurer applies the contractual 0% floor, meaning your cash value does not lose a single penny due to market depreciation.
Q: How can I access retirement income tax-free from an IUL?
Under Internal Revenue Code Section 7702, you can take policy loans against your accumulated cash value. Because IRS tax code classifies loans as debt rather than earned income, the distributed funds are 100% federal income tax-free and do not trigger capital gains taxes.
Angel Burgos
FL License: #G328926
0215 Life, Health & Annuities
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