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Teaching the average family to operate like a rich one
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Security is a priority, not an option.
Retirement is more exciting without financial stress
Average Retirement Savings
Median Retirement Savings. The median retirement savings for all working-age Americans (ages 25-64) is approximately $65,000. For those nearing retirement (ages 55-64), the median savings is around $134,000.
Average Retirement Savings With IUL
Median Retirement savings for those that work with us are as follows. These are estimates based on how we set up the average client. Our average client will retire with $412,000.
Americans With No Retirement Savings
Percentage of Americans with No Retirement Savings.
About 28% of Americans have $0 saved for retirement. This percentage is higher among younger adults and lower-income households.
Benefits Of Tax Free Gains
Tax-Free Gains: With accounts like a like IULs your earnings grow tax-free, and when you withdraw those funds in retirement, they are tax-free. This means no income taxes on the growth or distributions, which is a huge advantage for long-term compounding.
401(k): In a 401(k), your contributions are tax-deferred, meaning you don't pay taxes on the money you put in upfront, but when you take money out in retirement, you pay taxes on both the contributions and the gains. This could leave you with a smaller amount of money to use in retirement if you're in a higher tax bracket when you retire.
Security is a priority
Living benefits are included with your plan!
Critical Illness Rider
Critical Illness Rider: Many IUL policies offer critical illness riders that allow you to access a portion of the death benefit if you are diagnosed with a serious illness, such as cancer, heart attack, or stroke. This can help cover medical costs or living expenses during a difficult time. Typically, these benefits are tax-free.
Chronic Illness Rider
Chronic Illness Rider. If you are diagnosed with a chronic illness and are unable to perform certain activities of daily living (like bathing, dressing, or eating), you may be able to access the death benefit while you're still alive to cover long-term care needs or other expenses. These are just two of many other living benefits which one of our experts will discuss with you!
Security is a priority
With a full life ahead of you, the road isn't always clear.
With an Indexed Universal Life (IUL) policy, you can enjoy
market-linked growth with zero downside risk. Even in years when the market drops, your policy’s 0% floor ensures your cash value never decreases. That’s the power of an IUL—growth potential without the risk!"
Hear From Our Clients
Cassia Bounds
"An IUL Changed My Life"
"I never thought I’d be able to protect my family AND grow my wealth at the same time—until I discovered Indexed Universal Life (IUL).
When my financial advisor first explained how an IUL works, I was skeptical. But after seeing how it could grow my money tax-free and protect me from market losses, I decided to give it a try. Fast forward five years, and I’m so glad I did.
Not only has my cash value grown steadily (even during market downturns!), but I’ve also been able to access funds tax-free to pay for my daughter’s college tuition and cover unexpected medical bills. And the peace of mind knowing my family is protected with a tax-free death benefit is priceless.
If you’re looking for a way to secure your future and build generational wealth, I can’t recommend an IUL enough.
It’s been a game-changer for me and my family."
Darnell Smith
"Building Generational Wealth"
"I wanted to leave a legacy for my kids and grandkids, but I didn’t know where to start. Then I learned about IULs. My advisor explained how an IUL could help me grow my wealth tax-free while providing a death benefit for my family.
Over the years, my cash value has grown significantly, and I’ve been able to take out loans tax-free to invest in real estate.
Now, I’m not just building wealth for myself—I’m creating a financial foundation for future generations.
If you’re serious about building generational wealth, an IUL is the way to go.
It’s the best financial decision I’ve ever made."
Greg Adams
"The Retirement Plan I Never Knew"
"I never thought I'd be this excited about life insurance, but I can honestly say that my Indexed Universal Life policy has been a game-changer. A few years ago, I was just focused on traditional retirement plans like my 401k, but after learning about IULs, I realized I needed a better strategy for my future.
The combination of tax-deferred growth, the potential for cash value accumulation, and the living benefits has given me peace of mind that my family will be taken care of, no matter what. Plus, the flexibility to adjust my premiums and death benefits has been incredibly helpful as my financial situation has changed.
One of the best parts? I love that I can borrow against my cash value if I need to without worrying about taxes, which gives me a sense of financial freedom I never had before.
I feel like I'm finally building wealth in a way that’s smart and secure, and it’s all thanks to my IUL.
If you’re looking for a way to secure your financial future and leave a legacy for your loved ones, I highly recommend it! "