S&P 500® Indexed Universal Life 

An Indexed Universal Life plan (IUL) specifically indexed to the S&P® 500  allows for risk free control of your retirement.  The index credits interest to your plan as it captures upside positive growth only. In a zero or negative growth year in the market, you lose just that, zero!  This is guaranteed while preserving all of your capital!

The IUL concept is revolutionary in terms of the balance, risk mitigation, and the peace of mind it provides. The S&P 500® is widely regarded as the best single gauge of large-cap U.S. equities. The index includes 500 leading companies and covers approximately 80% market capitalization.

S&P 500® Indexed Universal Life vs. 401K Comparison

401(k) and an IUL's both provide tax-deferred growth, however the key difference is what transpires during the life of the plan and with distributions. With a 401(k), if invested in equities, the plan has direct exposure to a down market and loss of capital. Ordinary income tax is placed on all distributions. With an IUL policy, the plan is indexed vs. directly invested in the stock market. The account is credited for upside growth only. The account will not lose capital in a zero gain or negative growth year -guaranteed.  The plan provides for tax-free retirement income. There are no taxes placed on premiums, growth within the plan, withdrawals or loans.