Correctly set up accounts, following IRS codes, ensure tax-free growth and principal. Guaranteed positive interest annually, tax-free, net of fees, with a historical return of 5-7%. No losses during market downturns, lock in gains during upswings. Withdraw anytime without penalty, maintaining liquidity and earning compound interest. As a life insurance policy, money taken out is not income, doesn't require IRS reporting, and remains tax-free.
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Indexed Universal Life (IUL) insurance is a life insurance type that builds cash value through market performance. The cash value grows based on a market performance index, typically a broad index like the S&P 500 or the Dow Jones Industrial Average. It provides permanent life insurance, offering tax-free benefits for both life and death, along with tax-free growth.
Whole life insurance, commonly known as traditional life insurance, offers lasting death benefit coverage throughout the insured's lifetime. Beyond providing a death benefit, it includes a savings component where cash value may accumulate. Interest accrues at a fixed rate, and the growth is tax-deferred.
Address temporary needs with flexible options to plan for the future. Pay premiums for the duration of your coverage, often with locked-in rates for a specified period. These premiums may be more cost-effective than those of whole life insurance within that timeframe.
Final expense insurance is tailored to cover end-of-life costs. The death benefit offers a lump sum intended for expenses related to your passing, encompassing medical costs, memorials, or funeral services. This insurance provides your loved ones the opportunity to grieve without the burden of worrying about funeral expenses.
Annuities are investment options designed to offer regular income, commonly structured as insurance policies or retirement plans. Opting for an annuity can be advantageous if you seek a consistent income stream without the need to make yearly investment decisions.
Indexed Universal Life Insurance: Building "Cash Value" Coverage!