Congress Created A Way To Build Tax-Free Wealth With Life Insurance

Discover how our exclusive IUL with 113% Participation Rate can help you build generational wealth, tax-free.

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Family Financial Planning

Supercharged IUL Benefits

When Congress passed TAMRA they supercharged Indexed Universal Life Insurance, making it possible to build generational wealth, tax-free.

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113% Participation Rate

Enhance your index returns with our exclusive 113% participation rate product.

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Protection From Down Markets

Never lose money from market losses with a guaranteed 0.75% floor.

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Tax-Free Growth

Grow your wealth without the burden of taxes on your gains.

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Access To Money

Access your money tax-free while you're alive, unlike a 401(k).

How Does It Work?

An Indexed Universal Life (IUL) policy offers more flexibility and security than a 401(k).

An Indexed Universal Life (IUL) policy combines life insurance with an investment opportunity. It provides a death benefit and a cash value that can grow based on stock market performance, offering potential for higher returns with downside protection.

The flexibility in premium payments, tax advantages, and the ability to access cash value during the policyholder's lifetime make IUL versatile for long-term financial planning, including retirement.

With our exclusive 113% Participation Rate, you can enhance your index returns while still enjoying all the protection and tax benefits of a traditional IUL.

IUL vs. 401(k)

Tax-Free Growth
Yes
No
Tax-Free Withdrawals
Yes
No
Market Protection
Yes
No
Contribution Limits
None
Yes
Required Withdrawals
No
Yes
Senior Financial Professionals

What Our Clients Say

Hear from people who have already discovered the power of our IUL strategy.

"The 113% participation rate has been a game-changer for my retirement planning. I've seen consistent growth even during market downturns."

James L.

Atlanta, GA

"I love the peace of mind knowing my money is growing tax-free and I'll never lose my principal due to market fluctuations."

Sarah M.

New York, NY

"Being able to access my money without penalties or taxes has given me incredible financial flexibility that I never had with my 401(k)."

Michael T.

Dallas, TX

"After learning about the 113% participation rate, I immediately transferred my retirement funds. The growth has exceeded all my expectations."

Robert J.

Dallas, TX

"The tax-free growth potential of this IUL policy has completely transformed my retirement strategy. I wish I had discovered this years ago."

Jennifer K.

Dallas, TX

See If You Qualify

Take the first step toward building tax-free wealth with our exclusive 113% participation rate IUL.

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Become Your Own Bank!

Tax-free earnings and withdrawals. Traditional banking is old news.

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Frequently Asked Questions

Get answers to common questions about our IUL policies.

How does the cash value in an IUL policy grow?
The cash value grows based on the performance of a selected market index, such as the S&P 500, with our exclusive 113% participation rate. This means you get 113% of the index's positive returns, up to a cap, while being protected from losses.
Can I lose money in an IUL policy if the market performs poorly?
No. IUL policies have a guaranteed floor (typically 0%), which means your cash value will never decrease due to market performance. You're protected from market downturns while still participating in market gains.
Are withdrawals from the cash value of an IUL policy taxable?
When structured properly, withdrawals from an IUL policy can be tax-free through policy loans. This is one of the key advantages of IULs over traditional retirement accounts like 401(k)s.
Is an IUL policy suitable for conservative investors?
Yes, IUL policies are often suitable for conservative investors who want some market exposure without the risk of losing principal. The guaranteed floor provides protection while still allowing for growth potential.