We believe it’s beneficial to consider a select few Index Universal Life (IUL) providers based on fiduciary research as long term savings solution alternative for tax – deferred 401(k), IRA or other tax - deferred savings plans. Why? Because they provide the following:
- 100% Principal Protection – savings do not decline in stock market crash or when interest rates change
- Cash Value Grows Tax Free – interest earned in IUL is not taxed until withdrawn
- Positive Gains - market linked index gains are locked in every year
- Cash Value can be accessed Income Tax Free – protection against IRS tax increases
- Tax Free Death Benefit – protection against IRS tax increases
- Government Free – 100% control of your money – not the IRS