Would you rather have your money at risk in the stock market or having it work for you with absolutely zero risk?  Observe the illustration above comparing the performance of a 401(k) vs. an IUL (Indexed Universal Life) from the decade of 2000-2010 . The 401k was fully exposed and vulnerable because it was invested in the market with no protection to loss and 100% downside risk. The IUL however, was protected from loss because it was indexed to the market with a stop-loss known as a floor. A person with an IUL during this tumultuous decade lost absolutely nothing, whereas the 401k holder was pummeled in 2000, 2001, 2002, and 2008. In many cases, losing hundreds of thousands of dollars -if not millions.

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 as they are directly invested in the market.

IUL's are not directly invested in the stock market. They are indexed to the market with indexes from Blackrock, Morgan Stanley, Barclays, Fidelity, and the S&P500. What makes an IUL particularly attractive is what's known as the "floor".  The floor is what protects an IUL holder in the event of a down or negative growth year. Let's say the market goes down 25% in a given year. The 401k and IRA holders are down 25%, however the IUL holder isn't down even 1%. The IUL holder would simply earn $0 for that year. There is absolutely no loss. When this occurs, this is known as the term "zero is your hero".  The IUL holder starts the new year fresh, the 401k and IRA holders start the year off with -25% in their accounts.

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 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.