Build a Compound Interest Tax Free Retirement

Discover the Wealth Secrets of the IUL

Why hasn't my financial advisor ever told me about this?

Reason 1: Most financial advisors don’t know that an account like this exists. Nor, do they know how to set it up to be legally tax-free for the account holder.

Reason 2: Most financial advisors recommend financial vehicles that the company they've contracted with tells them to recommend. (Conflict of Interest)!.

Reason 3: They don’t want to take a pay cut! In IRAs and 401Ks, advisors charge fees and commissions on the deferred tax liability, which drives up your investing cost. (again, Conflict of Interest)!.

As a result, less than 0.07% of Americans have what we call a compound interest account set up, while more than half the population has a taxable 401(k) or similar tax-deferred retirement account. which comes with all types or risks and restrictions, needless to say, non or the retirement plans has any permanent life insurance like the IUL does.

Sam Elkazaz

Financial Advisor, Licensed Life, Health, Annuities & Accident Insurance Broker

National Producer Number (NPN): 18820623

"Planning For Tomorrow Starts Today"

States we are Licensed in (50 + DC):

AL, AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY, WV

With A Tax-Deferred 401(k) or IRA

You must pay taxes (either in advance or when you're taking income in the future).
Your money is not liquid (you can't access your money any time you want, and if you do a hardship withdrawal, you're heavily penalized).
You are limited to how much you invest (plans with most tax benefits have annual funding limits).
Your money is not guaranteed (the money in your 401(k) or IRA may increase in up markets but accordingly will decline in falling markets).
You are required to report your earnings to the IRS. (Everything in a 401(k) or IRA is uncle Sam's business.)

A Compound Interest Account with an IUL

IUL stands for Indexed Universal Life insurance. It is a type of permanent life insurance policy that combines elements of both traditional universal life insurance and investment components. Here's a breakdown of the key features of an IUL:

Permanent Life Insurance: Like other types of permanent life insurance, IUL provides a death benefit that pays out to beneficiaries when the insured person passes away. This death benefit is typically income-tax-free.
Flexible Premiums: Policyholders can typically adjust the premium payments within certain limits. This flexibility allows you to increase or decrease your premium payments based on your financial situation.
Cash Value Accumulation: A portion of the premium payments made into an IUL policy is set aside and invested in an account called the cash value. This cash value has the potential to grow over time, and it is credited with interest. The interest is usually tied to a stock market index, such as the S&P 500, which is why it's called "indexed."
Interest Crediting: The interest credited to the cash value is based on the performance of the chosen stock market index, subject to a cap and a floor. This means that while your cash value can potentially grow with the market, there's a limit to how much it can gain (the cap) and a minimum interest rate (the floor) to protect against market downturns.
Tax Benefits: The cash value in an IUL policy can grow on a tax-deferred basis, meaning you don't pay income tax on the gains as long as they remain within the policy. Additionally, you can often access the cash value through tax-free loans or withdrawals, provided you follow certain guidelines.
Death Benefit: In the event of the insured's death, the policy pays out a death benefit to the beneficiaries. This benefit is typically income-tax-free and can be a combination of the original face amount of the policy and any accumulated cash value.

IUL policies can offer a balance between life insurance coverage and potential for cash value growth tied to the stock market, but they are complex financial products and not suitable for everyone.

it is very important to talk to us, the insurance professionals before purchasing an IUL policy to ensure it aligns with your needs and risk tolerance.

And there are many more wonderful fiscal things you can do with an account like this.

Is It “Too Good To Be True,” You Ask?

Nope. It’s very real.

In fact, the IUL is not a new strategy.

President John F. Kennedy had an account like this.

So did Presidents Taft, Cleveland, McKinley, Harding, and FDR (FDR, in fact, held a large portion of his estate, $562,142 or over $7 million in today's dollars, inside his account).

Even John McCain used his account to fund his electoral campaign back in '08.

Joe Biden, our current president has SIX of these accounts.

The only question is...

Do You Qualify For an IUL?

The IUL is NOT available just to the super-rich.

However: an account like this can only be technically set up if you or your family qualify for it.

To discover if you qualify for an IUL, take our 30 second survey below.