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Dear Valued Client,

I have a very important question, what would you rather have your money doing for you, risking it away in the stock market or putting it to work for you with absolutely zero risk? Take a look at the illustration above comparing the decade 2000-2010 performance of a 401k invested in the market and and an IUL indexed to the market. Anyone with an IUL during this tumultuous decade lost nothing, whereas the 401k and IRA holder was pummeled in 2000, 2001, 2002, and 2008. In many cases, losing hundreds of thousands of dollars.

Pensions are non-existent these days and social security is just not enough to retire. 401k's & Traditional IRA's are fee riddled, have no tax advantages, and are frankly dangerous in terms of losing your hard earned money.

What's left is crystal clear -IUL Indexed Universal Life. IUL's are not directly invested in the stock market. They are indexed to the market with well known indices such as: Blackrock, Morgan Stanley, Barclays, Fidelity, and the S&P500. What makes an IUL particularly attractive is what's known as a "floor".  The floor is what protects an IUL holder in the event of a down or negative growth year as you would simply earn $0 for that year, there is absolutely no loss. IUL's provide safe returns protecting your capital, while offering excellent life benefits: chronic, critical, terminal while providing a death benefit to pass along to your heirs -tax free. No IRA or 401k on Earth will do any of that for you!

Watch this 2016 Award Winning 3.5 minute video that provides an accurate and simplistic overview of IUL.  Call us today at 239-699-1543 (Florida) or 281-766-7684 (Texas) for your personalized IUL illustration. We look forward to reviewing this stellar plan with you, should you qualify. 

Sincerely,

Michael R. Hrad

Principal, CEO

AGH Financial Group