If you want to secure your retirement, it’s worth considering indexed universal life insurance. Use this report from Indexed Universal Life to discover all the benefits!
If you open an indexed universal life insurance policy, you won't lose any money in the event of a stock market crash. They can be a great part of any investment plan – and with this report from Indexed Universal Life, you'll be well prepared for any situation!
The report provides you with a list of 10 questions you can ask your financial advisor to help you determine the suitability of indexed universal life insurance. These range from the risks of such policies, the fees involved, and any guarantees that are in place.
Learn more at IUL in Retirement
It's the latest educational resource on the Indexed Universal Life site - which aims to help you plan for a more secure future. It explains the differences between IUL policies and other options, including the notion of principal stability.
IUL policies provide lifetime death benefit coverage like traditional universal life insurance but with the addition of cash value growth potential linked to a market index. Premium payments are flexible, and policies contain downside protections so cash value does not decrease due to market losses. Having a stable asset with upside potential and downside protection allows you to take more risk with equities to pursue growth.
Since gains accumulate tax-free, you can access policy loans and withdrawals without owing capital gains taxes. This gives you tax-diversified income to supplement pensions, 401ks, and IRAs which are fully taxable. IUL policies can also offer living benefits to pay for chronic or terminal illness costs not covered by Medicare.
Additional details are provided at IUL Calculator
Using IUL insurance in retirement is an effective hedge against market volatility and rising taxes. Proceeds from policy loans and withdrawals avoid triggering capital gains taxes that could increase with future tax reform.
A spokesperson states: "The major benefit of using an IUL in your retirement planning is the benefit of choice. IUL owners enter retirement with an additional asset that is guaranteed not to lose value in down markets and could significantly outperform other investments with similar risk profiles. Using an IUL for retirement planning also offers the owner of the IUL the ability to select which account to pull their necessary retirement income from, lessening your tax burden in the future."
Do you want to plan for your retirement in the most effective way? You should consider an indexed universal life policy!
Go to IUL vs Whole Life for all the details you need!
