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Smarter protection. Built for growth.
IUL pairs lifelong protection with a cash-value account that can grow tax-deferred and be accessed tax-advantaged when structured correctly.
PLANNING WITH IUL
IUL is not meant to replace everything you are already doing. It is one tool that can add tax-efficient growth, flexible access to cash, and a built-in legacy benefit.
For people who are already saving consistently and want another bucket that can grow without yearly 1099s or required minimum distributions.
IUL lets you access cash value through participating policy loans, giving you liquidity for major purchases or opportunities while the full balance continues compounding inside the policy.
Alongside the cash value, your family still receives an income-tax-free benefit, and modern contracts can include living benefit riders you may use while you are alive.
CORE BENEFITS OF IUL
The goal isn't just having a policy. It's building something you can actually use throughout your life.
Cash value earns interest linked to a market index, with a floor that protects against market losses.
Participating policy loans let you use your cash value when needed while the full balance continues compounding inside the policy.
Your beneficiaries receive an income-tax-free benefit, often far larger than total premiums paid over time.
HOW INDEXED CREDITING WORKS
You are not investing directly in the stock market. The insurance company credits interest based on an index using caps or participation rates, while your cash value is protected from market losses.
Upside linked to an index. Interest is credited based on index performance, subject to caps or participation rates, without owning the underlying stocks.
Built-in downside protection. When the index is negative, the credited rate is typically 0 percent, not a loss, helping protect your cash value.
No annual taxes on growth. Cash value grows tax-deferred, and a properly structured policy can offer tax-advantaged access through policy loans.
TAX EFFICIENCY IN A PLAN
Most people focus on gross returns, but how growth is taxed can matter just as much over time, especially for consistent savers.
Fully taxable account
Gross return: 8-9 percent per year
After-tax return: ~6-7 percent
Ongoing federal and state taxes can create an annual “drag” on growth.
Tax-advantaged bucket (like an IUL)
Gross return: 8-9 percent per year
After-tax drag each year: ~0 percent
Growth can accumulate tax-deferred, and properly structured policy loans can provide tax-advantaged access later.
Over long periods, that difference in annual tax drag can significantly affect the ending balance. An IUL can be one way to add a tax-advantaged bucket to your plan when it fits your goals and risk profile.
Smart planning isn't just about chasing returns. It's about how much you keep and how flexible those dollars are when you need them
LIVING BENEFITS
Many modern IUL contracts include living-benefit riders that allow you to access part of the death benefit early if you face certain health events.
These benefits can help cover medical costs, home care, or income replacement — without forcing you to liquidate other investments at a bad time.
We'll walk you through how an IUL can support your long-term goals, growth, protection, and legacy with clear, thoughtful guidance.
Reach out directly anytime.