Facing a Retirement Shortfall Until Tax-Free IUL Rescues David’s Retirement Dreams

Retirement Shortfall?  You have options.  Watch the Retirement-Toolbox Video.

David did not put enough away for retirement and was facing a retirement shortfall. The Tax-Free IUL provided a rescue strategy to provide a tax-free retirement income David won’t outlive.
Tax-Free IULs are an IRS Approved Alternative To 401(k) and 403(b) retirement plans with no downside risk.

• You don’t lose money when the markets go down!
• Share in Market Upside when Markets go up!
• Earn Reasonable Rates of Return!
• Gains Locked In Annually!
• Tax-Free Penalty Free Withdrawals at any age!
• Tax-Free Income You Won’t Outlive!

Jack & Carol’s Gifting Strategy: Using Living Benefits Life Insurance

Tax-Free IULs are known as Living Benefits Life Insurance.  As a gifting strategy Living Benefit Life Insurance is powerful and can set your children and grandchildren up for life with tax-free, penalty free income.

The Tax-Free IUL works as a great gifting strategy. Jack & Carol used this to set up their granddaughter’s with a lifetime of tax-free income. A gift that will keep on giving. They loved the IUL was IRS approved, there was no downside risk, withdrawals were tax-free and they earned a reasonable rate of return. This was an easy way for their granddaughters to retire wealthy.

Tax-Free IUL Saves Robert’s Retirement

Robert had no retirement savings. It looked hopeless until Robert discovered The Tax-Free Pension Alternative, also known as living benefit life insurance or the Tax-Free IUL.

A client called the Tax-Free IUL spectacular, a game changer! No downside risk. Tax-free income for life and a reasonable rate of return. He called it “The 401(k) Replacement!”

Robert age 51 agreed. He’ll retire at age 71 with $57,000 in tax-free income for life based on the historical rate of return.

Robert’s plan called for saving $1,000 a month in his tax-free pension alternative, his tax-free IUL and earning the historical rate of return of 8.11%.

The illustration was eye opening for Robert.  He saw the numbers and how the plan worked.  It was enough for him to move forward.  Impressive for someone who had not been saving on a regular basis.

Knowing you have options can make a difference.

Now, Robert can access this living benefit life insurance along the way via tax-free policy loans, to fund large purchases or handle emergencies.  If he does not repay these policy loans, his projected $57,000 a year in tax-free income will be reduced.  He has the choice of paying off the loans during his lifetime or out of the death benefit.

Financial Independence Began at 25; at Age 66 $246,000 a year in Tax-Free Income

What The Tax-Free IUL can do for you! John’s story

Financial Independence with Retirement Options that will Blow Your Mind.

What if you discovered a way to retire with $246,000 a year in tax-free income when you were 25, would you have taken action if it only took $500 per month in savings to age 65?

$246,000 a year tax-free is equivalent to $410,000 a year in taxable income.

A client called the Tax-Free IUL spectacular, a game changer! No downside risk. Tax-free income for life and a reasonable rate of return. He called it “The 401(k) Replacement!”

John age 25 agreed. He’ll retire at age 66 with $246,000 in tax-free income for life based on the historical rate of return.

John understood the magic of tax-free compounding when you don’t lose money when the markets go down and your gains are locked in annually. When you don’t lose money, you are never digging out of an investment hole, plus you never give back previous gains.

John acted and is on his way to a wealthy retirement.

Creating a Tax-Free Emergency Fund

Tax-Free IULs or Tax-Free Pension Alternatives Work as a Tax-Free Emergency Fund

Tax-Free IULs can produce a Tax-Free Income You Won’t Outlive and Act as a Tax-Free Emergency Fund. Flexibility is a hallmark of living benefit life insurance.

It is more than a supplemental retirement plan. The Wealthy use it as a liquid tax-sheltered way to preserve capital and earn a reasonable Rate of Return. It’s their safe money emergency fund!

Boat Purchase vs. Tax-Free IUL What Would You Do?

What would you do?  Purchase the boat or invest in a Tax-Free IUL?

Examining a Boat Purchase vs. Tax-Free IUL

A client asked for my opinion on his borrowing $75,000 to purchase a boat.

I ran some numbers, and told him if he instead invested the $500 per month payment into a tax-free IUL, he would have an extra $17,509 in tax-free income every year during retirement, based on the historical rate of return. This would be useful as he took a hit in his 401(k) a few years ago and it had not recovered. I also pointed out that 20 years from now, he would need $583,000 in a 401(k) or an annuity to generate the same after tax income that the IUL would generate.