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#IndexedUniversalLife explores innovative life insurance policies combining investments with flexible premium payments. It appeals to savvy investors seeking tax advantages, long-term growth, and financial security through diversified strategies and personalized planning.
Want a #taxfreeretirement income stream? Well you should take a serious look at a max funded #indexeduniversallife plan then! This is a specially designed #cashvaluelifeinsurance policy that has a savings account component. A portion of your premiums pay for the cost of insurance and the rest build cash value. The growth of the cash value can be supercharged by structuring the policy with a minimum death benefit and max funding it. As your cash value accumulates, the insurance company credits interest back into your account value. Your returns average about 5% to 7% without exposure to downside market risk. Then when you're ready to retire, the cash value can be accessed for #taxfree retirement income. Also there are no contribution limits to an IUL so you can stuff away as much cash as you'd like to build tax free wealth! If you want to optimize tax free retirement, comment "money" below and I'll show how an IUL can help! #financialliteracy #compoundinterest #retirementplanning #safemoney #cashflow #wealthymindset
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Want a #taxfreeretirement income stream? Well you should take a serious look at a max funded #indexeduniversallife plan then! This is a specially designed #cashvaluelifeinsurance policy that has a savings account component. A portion of your premiums pay for the cost of insurance and the rest build cash value. The growth of the cash value can be supercharged by structuring the policy with a minimum death benefit and max funding it. As your cash value accumulates, the insurance company credits interest back into your account value. Your returns average about 5% to 7% without exposure to downside market risk. Then when you're ready to retire, the cash value can be accessed for #taxfree retirement income. Also there are no contribution limits to an IUL so you can stuff away as much cash as you'd like to build tax free wealth! If you want to optimize tax free retirement, comment "money" below and I'll show how an IUL can help! #financialliteracy #compoundinterest #retirementplanning #safemoney #cashflow #wealthymindset
The ant waits for no one. What’s your excuse? Nature shows us the power of discipline and consistency. The ant doesn’t procrastinate, doesn’t make excuses—it works, every single day. Time to take notes and get moving. #CurtisRay #MPIunlimited #MPIstrategy #CompoundInterest #lifeinsurance #IUL #indexeduniversallife #UnlimitedWealth #FinancialFreedom #WealthBuilding #Success #Motivation #Discipline
If you stay consistent in tackling each day like it’s new, you don’t have to wait for New Year’s to make a resolution. You can be resolute every single day. Growth doesn’t wait for January 1st. #CurtisRay #MPIunlimited #MPIstrategy #CompoundInterest #lifeinsurance #IUL #indexeduniversallife #UnlimitedWealth #Success #Consistency #DailyResolution #GrowthMindset
If your IUL policy looks like the one dissected here, you could be in trouble! .. It’s very important to know what your goals are and how these policies should be designed to achieve them before you agree to set anything up.  .. If you’d like an IUL quote from me you can click the link in my bio to schedule one for free.  .. If you’d like me to review an IUL quote that you received from another agent, you can click the link in my bio to schedule that with me for free! .. #iul #indexeduniversallife #lifeinsurance #insurancequote #iulquote
Replying to @yourtaxfreeguy how should you plan for taxes in #retirement ? Many people will be shocked at how much income tax they'll end up paying. That's because income taxes will likely be much higher in the future.  Why? Because taxes are historically low and our national debt is over $36 trillion. The government will desperately need more revenue and soon. So if you're deferring your taxes in an IRA and #401k You could potentially be building a ticking tax time bomb. Many of my clients prefer to pay their taxes now, while they're relatively low. We do that with Roth accounts and high #cashvaluelifeinsurance A specially designed #lifeinsurance plan allows you grow your #money #taxfree and distribute #taxfreeretirement income later. That will prove invaluable when the government raises taxes across the board to pay for all the underfunded programs.  If you want to build a tax free retirement strategy and want to see how life insurance can help, comment "money" below and I'll show you how it works!  #financialliteracy #compoundinterest #retirementplanning #indexeduniversallife #safemoney
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Replying to @yourtaxfreeguy how should you plan for taxes in #retirement ? Many people will be shocked at how much income tax they'll end up paying. That's because income taxes will likely be much higher in the future. Why? Because taxes are historically low and our national debt is over $36 trillion. The government will desperately need more revenue and soon. So if you're deferring your taxes in an IRA and #401k You could potentially be building a ticking tax time bomb. Many of my clients prefer to pay their taxes now, while they're relatively low. We do that with Roth accounts and high #cashvaluelifeinsurance A specially designed #lifeinsurance plan allows you grow your #money #taxfree and distribute #taxfreeretirement income later. That will prove invaluable when the government raises taxes across the board to pay for all the underfunded programs. If you want to build a tax free retirement strategy and want to see how life insurance can help, comment "money" below and I'll show you how it works! #financialliteracy #compoundinterest #retirementplanning #indexeduniversallife #safemoney
Policy loan provision in an IUL #iul #indexeduniversallife #taxfree #policyloans #cashvaluelifeinsurance
@Ron Sneller FSCP®, RICP®, RFC® The big debate in the #lifeinsurance world is IUL vs whole life insurance. If you're in the market for #cashvaluelifeinsurance which one should you get?  It really depends on what the client wants! You'll notice many "finance influencers" are in camps. Always whole life or always IUL. I don't take that approach.  The main difference between the two is that whole life has more guarantees. They have a guaranteed growth rate and a very stable dividend that typically pays out every single year. Many dividend paying companies have paid their dividends out for over 160 years! Pretty comforting.  Now the trade off is that there's less upside potential. The growth on your #money in a whole life policy will be closer to 4% or 5%. The #indexeduniversallife (IUL) has more upside potential because the returns track a market index like the S&P 500.  Your money isn't actually in the index so if there's a recession or bear market, you won't lose any money in the IUL; you just won't make anything. Because of the higher upside, your average yield over the years is closer to 6% or 7% in the IUL.  Personally, I prefer the IUL, but have plenty of clients who love their whole life plan. if you're in the market for cash value life insurance, comment "money" below and I'll point you in the right direction!  #financialliteracy #compoundinterest #taxfreeretirement #wealthymindset #beyourownbank #cashflow
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@Ron Sneller FSCP®, RICP®, RFC® The big debate in the #lifeinsurance world is IUL vs whole life insurance. If you're in the market for #cashvaluelifeinsurance which one should you get? It really depends on what the client wants! You'll notice many "finance influencers" are in camps. Always whole life or always IUL. I don't take that approach. The main difference between the two is that whole life has more guarantees. They have a guaranteed growth rate and a very stable dividend that typically pays out every single year. Many dividend paying companies have paid their dividends out for over 160 years! Pretty comforting. Now the trade off is that there's less upside potential. The growth on your #money in a whole life policy will be closer to 4% or 5%. The #indexeduniversallife (IUL) has more upside potential because the returns track a market index like the S&P 500. Your money isn't actually in the index so if there's a recession or bear market, you won't lose any money in the IUL; you just won't make anything. Because of the higher upside, your average yield over the years is closer to 6% or 7% in the IUL. Personally, I prefer the IUL, but have plenty of clients who love their whole life plan. if you're in the market for cash value life insurance, comment "money" below and I'll point you in the right direction! #financialliteracy #compoundinterest #taxfreeretirement #wealthymindset #beyourownbank #cashflow
Use them both! Diversify your portfolio to reach the financial goals you set for yourself! #wealth #wealthmindset #finance #cashvaluelifeinsurance #iul #indexeduniversallife #roth #rothira
HAPPY LBAM! #lifeinsurance #livingbenefits #livingbenefitslifeinsurance #terminsurance #permanentinsurance #wholelifeinsurance #iul #indexeduniversallife #MemeCut #memenatal #Meme #MemeCut #memenatal
#duet with @solidfinancialplan #taxfree preach it! It is true!! #iul #cashvaluelifeinsurance #indexeduniversallife #financialfreedom
Comparing term and permanent life insurance and how to use them. #iul #indexeduniversallife #policyloans #retirement #taxfreeretirement #insurance
Start saving now in a secure compound interest account. i.e. an IUL #iul #financetiktok #indexeduniversallife #compoundinterest
How can you create your own pension? Use an IUL or Indexed Annuity #iul #fia #policyloans #indexedannuity #indexeduniversallife #retirement #nomarketloss #taxfreeretirement
No 59 1/2 rule plus living benefits, death benefit, amazing returns. #iul #indexeduniversallife #planning #retirement #insurance #financetiktok
Info on starting an IUL. Set up a time to talk with us. #iul #indexeduniversallife #policyloans #nomarketloss #cashvaluelifeinsurance
Can I get an IUL in my 50s or 60s? It depends.,#iul #indexeduniversallife #taxfreeretirement
Generational wealth can help your child get a leg up in life.#generationalwealth #planning #iul #insurance #financetiktok #indexeduniversallife
#stitch with @The Wall Street Journal Using an index in an IUL is very different than investing in an Index Fund where your money is exposed to loss! #iul #indexeduniversallife #indexfunds #financetiktok #nomarketlosses #insurance
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#stitch with @The Wall Street Journal Using an index in an IUL is very different than investing in an Index Fund where your money is exposed to loss! #iul #indexeduniversallife #indexfunds #financetiktok #nomarketlosses #insurance
Cash value life insurance explained! #lifeinsurance #cashvaluelifeinsurance #wholelifeinsurance #iul #indexeduniversallife #infinitebanking #beyourownbank #finance
In today’s video I dive into an article on the Dave Ramsey website about IUL policies, exposing their lies and sharing the real truth! .. Catch the full video on YouTube! @illuminate.your.wealth  .. #daveramsey #daveramseycommunity #iul #indexeduniversallife #termlifeinsurance
This is why it’s so important to have a great relationship with your clients!  IUL policies require maintenance to get them to do what your clients want them to do long term.  .. #iul #indexeduniversallife #lifeinsurance #clientstory #clientrelationships

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