Dreaming of a secure financial future?

Index universal life is a form of permanent insurance that builds compounded interest. The interest credited is limited by a minimum guaranteed interest rate as well as a capped interest rate based upon the performance of a market index such as the S&P 500 or without actually being in the market. Therefore, you are credited all of the gains with none of the losses, providing you with principle protection and compound interest cash accumulation that grow tax deferred. The average interest credited is roughly 7% or more, much higher than CDs and Money Markets. When properly structured per IRS code, unlike CDs, indexed universal life has liquidity provisions that allow you to access the earnings plus part of the principle without surrender charges, penalties or tax consequence as long as you don’t take all of the money and the policy remains in force.

The versatility of index universal life having stock market gains without the risk, principle and interest gains protection, and tax free liquidity make it one of the strongest financial vehicles available. When properly structured, common uses include:

• Retirement planning as a long term savings vehicle providing Tax Free income.
• College planning as an alternative to 529 plans.

Unlike Roth IRAs with a maximum annual contribution limit of $6000 for funding, annual contributions are UNLIMITED for structuring an index universal life policy. Unlimited contributions provide unlimited possibilities for tax free accumulation, distribution, and transfer; making it an ideal solution for wealthy and affluent individuals seeking tax sheltered growth and wealth transfer for heirs.

 An annuity is a contract between you, the contract owner, and the insurance company. It is designed to meet the long term need for retirement income. It provides guaranteed protection against your principle and interest credited as well as a death benefit for beneficiaries. A fixed index annuity can be immediate or deferred, with the potential to earn interest credited based on the performance of an external market such as the S&P 500 without actually being in the market. Just the same as the crediting used in index universal life, you get all of the market gains and no losses protecting your assets. Cash accumulation in deferred annuities grows on a tax deferred basis with compound interest available for withdrawal without penalties at age 591/2 and the built up value can be used to provide you with guaranteed income for life. The amount of income payments is based upon the accumulated value of your annuity and the benefit rate set in effect when income payments begin.

  The guarantees of principle protection, protection of interest credited, income for life, and the tax deferred compound interest makes fixed index annuities a predominate vehicle for protecting existing assets and savings from future  losses as well as giving you the security of  income throughout your retirement years.

These features place fixed index annuities as a predominate solution for:

• Retirees and pre-retirees faced with the reality of concerns of out living your money, as well as protecting what they have left as a result of the recent economic crisis.
• Individuals having the need to roll over existing funds in a 401K from an old job so that it doesn’t lose value due to the stock market and lack of contributions, as well as having the ability to earn interest on the existing principle.
• Individuals wanting to diversify their portfolio with a safer conservative product.
• Transferring cash balances of under-performing existing variable products.