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Tax-Free Wealth Building

Learn all about IUL and how it can help you build wealth and stay protected.

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How do you build tax-free wealth?

Indexed Universal Life (IUL), otherwise known as TFRA (Tax-Free Retirement Accounts) or LASER Funds (Liquid Assets Safely Earning Returns) are financial vehicles that offer individuals a unique way to accumulate wealth while providing tax advantages for retirement planning. IULs combine the benefits of life insurance protection with the potential for cash value growth tied to the performance of a market index, typically the S&P 500.

Unlike traditional retirement accounts such as 401(k)s or IRAs, IULs are not subject to the same contribution limits. Individuals can invest larger amounts of after-tax dollars into these policies, allowing for potentially greater growth and tax-free distributions in retirement.

Features of IUL

Tax-Free Growth

The cash value component of an IUL policy can be accessed tax-free, meaning you don't pay taxes on the growth or the access.

Market Growth

The cash value in IULs participate in the growth of a selected market index, like the S&P 500, allowing for potential upside growth.

Loss Protection

IULs have downside protection, which means that if the market performs poorly in a given year, your cash value is protected from losses.

Death Protection

IULs provide a death benefit to the policyholder's beneficiaries, similar to traditional life insurance policies.

Tax-Free Access

A key advantage of IULs is the ability to access the accumulated cash value tax-free in retirement, buying a house, car, or paying college tuition

Flexibility

IULs offer flexibility in terms of premium payments, allowing policyholders to adjust their contributions based on their financial situation.

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