What are IUL & Annuities
IULs, annuities, and estate planning work together to help you build tax-free wealth, secure lifetime retirement income, and protect your family’s financial future. These strategies give you market growth without market losses, tax advantages, and long-term security you can depend on.
How These Strategies Work Together
Indexed Universal Life (IUL)
An IUL is a protection and wealth-building tool that grows money tax-free, offers tax-free access, and provides a tax-free death benefit for your family. Your cash value grows based on market indexes (like the S&P 500) without risking losses, thanks to a 0% floor.
Annuities
Annuities provide guaranteed lifetime income—a retirement paycheck you can never outlive. Your money grows safely with guaranteed protection, and when you choose, it converts into predictable monthly income.
Estate Planning Integration
Both IULs and annuities help protect your estate by avoiding probate, creating tax-free inheritance, and giving you full control over how wealth transfers to your family or business.
IUL Example — Wealth-Building / Real Estate
William, age 38, started an IUL that grows about $60,000 per year in tax-free cash value. He now uses it to:
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Fund down payments for real estate
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Lower his taxable retirement income
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Protect his family with a large tax-free death benefit
His money earns market-linked growth without market risk, giving him a safe way to build wealth.
Annuity Example — Retirement Security
Sarah, age 52, rolled over $150,000 into a fixed indexed annuity. Her benefits include:
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Guaranteed income for life starting at age 62
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Growth tied to the market — but with full downside protection
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A balance that passes to her children if she passes early
This ensures she will always receive a steady retirement income — no matter how long she lives.
Estate Planning Example — Legacy Protection
A couple in their early 60s used an IUL + annuity strategy to:
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Leave a tax-free inheritance
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Guarantee lifetime income
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Protect their rental properties with a tax-free death benefit
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Avoid probate, saving their children time, money, and stress
Their plan now protects their estate and ensures a smooth transfer of wealth.
Why People Use These Tools
✅ Tax-free retirement income
✅ Guaranteed lifetime income
✅ Cash value for investments & real estate
✅ Estate planning & generational wealth
✅ Market upside with no downside risk
✅ Safe, predictable long-term growth
✅ Protects family, assets, and future income
How It Works
1️⃣ Consultation
Personalized Guidance
We start with a genuine conversation about your goals, your family, and what financial security really means to you. This includes understanding your mortgage, income, retirement plans, savings, and long-term vision — whether you’re protecting your home, building tax-free wealth, or creating a legacy. There’s never any pressure or confusion; we take the time to break everything down in a clear, simple way so you fully understand your options. By the end of the consultation, you’ll know exactly what’s possible for your home, your retirement, and your future, and which strategies fit your budget and your family’s needs.
2️⃣ Carrier Matching
Finding Your Best Fit
After we understand your goals, we compare plans from the most trusted companies in the industry — North American, Mutual of Omaha, and Americo. These are the top carriers for IULs and annuities because they offer strong growth, flexible benefits, and long-term stability. We match you with the company that best fits your financial goals, budget, health profile, and long-term plans, ensuring you get the strongest approval chances, the best growth potential, and the most valuable living benefits available.
3️⃣ Peace of Mind
Lifetime Protection
Once your plan is in place, your financial future becomes predictable and secure. With an IUL, your cash value begins growing tax-free with market-linked upside and zero downside risk — giving you safe, steady wealth you can use for retirement, real estate, business opportunities, or emergencies. With an annuity, you lock in guaranteed lifetime income that continues no matter how long you live. Together, these strategies protect your retirement, strengthen your estate, and create a legacy your family can rely on. Your money is working for you—growing safely, providing income, and securing your family’s future for decades to come.
Schedule a call below to explore your best options and see how we can help protect what matters most.
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