The Retirement Strategy the Banks Don’t Want You to Know About

It's a ype of permanent life insurance that offers lifelong coverage with flexible premiums and a built-in cash value component that grows over time, tax-deferred. A portion of your premium payments goes to the cost of insurance, while the rest is invested in a tax-advantaged account where it can earn interest or returns. The flexibility allows you to adjust your premium payments and potentially the death benefit to fit your changing financial situation, and you can access the accumulated cash value through policy loans or withdrawals during your lifetime

An annuity is a financial product that can provide guaranteed income for a set period or for life. You make a lump-sum payment or a series of payments, and in return, the annuity company provides you with steady income—often used for retirement planning and income security.

Yes. With both products, your principal is protected from market downturns. In an IUL, your cash value will not decrease due to market losses. In an annuity, your payout amount and guarantees are backed by the issuing insurance company’s financial strength.

IULs and annuities can be great for individuals looking to protect their wealth, grow their savings without market risk, and create a reliable source of income for the future. They’re also popular with people who want tax-advantaged growth and protection for their family.

The best choice depends on your goals, age, income needs, and risk tolerance. We’ll review your unique situation, explain your options in plain language, and help you design a plan that aligns with your financial vision.

In most cases, the process can be completed in just a few days to a couple of weeks, depending on the product and any required underwriting. We guide you through each step to make it as smooth and fast as possible.

The cost varies depending on your age, health, coverage amount, and the type of product you choose. It also depends on your financial goals—how much money you want to have set aside for retirement and what you want that money to do for you. During your consultation, we’ll provide a customized quote so you know exactly what to expect before making a decision. Ultimately, it’s completely up to you how your plan is structured and funded.