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Wheat Field


Indexed Universal Life (IUL) insurance helps to provide the opportunity and flexibility to meet the challenges of creating a secure financial future in a single contract:

Income tax-free death benefit for your beneficiaries.

Potential for tax-deferred accumulation of cash value.

Tax-free distribution of cash value through loans and withdrawals.

Potential to guarantee a stream of lifetime income at retirement


Basic Strategy

(Upside Potential, Downside Protection)

Premiums paid in excess of the insurance cost accumulate interest, tax-deferred account. The additional premium dollars will be allocated to the interest crediting strategy allocation of your choice.This value can be accessed during your lifetime through withdrawals or loans. If the index value declines, each index strategy provides at least a 0% Floor. This means that you have downside protection because the interest crediting rate will never be negative. 

"The tax exemption for life insurance policy is the single biggest benefit in the
                  tax code."
Ed Slott
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