What you're putting in place
They're covered for life.
If something happens to you, the people you name get a payout, generally free of income tax.* It can pay off the house and keep things running.
Your cash grows in good years.
When the index goes up, your cash value is credited up to 8.5% a year.1 In a down year, the floor protects you against market losses.
Use it while you're here.
Borrow against it for retirement, the business or a rainy day, generally without owing income tax.* Many policies also let you use part of it early if a serious illness or injury stops you working.3
Some families get back 3 to 5 times what they put in.2
Based on an example illustration. Not guaranteed. See note 2.
Straight answers
Is it really tax-free?
Payouts to your family generally are. Money you take out is usually a loan, so you generally don't owe income tax on it. Loans charge interest and lower your cash value and your family's payout until they're paid back.*
What's the catch?
There are monthly charges, the cap limits your upside, and it can lapse if you don't put enough in. A good agent can walk you through each one.
Is it better than a 401(k)?
It's not a swap. Many people use both: a 401(k) for retirement savings, and IUL for lifelong coverage plus cash value you can borrow from. An agent can show you how they'd fit together.
How much do I need to put in?
It depends on your age and what you want it to do. Many families start between $100 and $300 a month.
Who calls me?
One licensed agent who works with IUL every day, at a time you pick. The call is free, about 15 minutes. You can take as much time as you need to do your due diligence.
Take care of it today.
- Answer 6 quick questions.
- Pick a time that works for you.
- A licensed agent calls you.
- Free call
- Licensed IUL agent
- No obligation
