01Supercharged IUL Benefits
When Congress passed TAMRA they supercharged Indexed Universal Life Insurance, making it possible to build generational wealth, tax-free.
Protection From Down Markets
Never lose money from market losses with a guaranteed 0.75% floor.
Tax-Free Growth
Grow your wealth without the burden of taxes on your gains.
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 |
Secure Generational Wealth with an Exclusive 113% IUL Participation Rate
At Wealth Builders Haven, we empower you to build generational wealth while enjoying the security of an Indexed Universal Life (IUL) policy. Our standout feature—an exclusive 113% Participation Rate—boosts your index-linked returns beyond traditional limits. That means more growth potential for your cash value, while still safeguarding with tax-free accumulation and classic IUL protections
Choose Wealth Builders Haven because you’re not just getting insurance—you’re getting a strategic financial lever:
02What Our Clients Say
Hear from people who have already discovered the power of our IUL strategy.
03Become Your Own Bank!
Tax-free earnings and withdrawals. Traditional banking is old news.
Take the first step toward building tax-free wealth with our exclusive 113% participation rate IUL.
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.