⚫️ IUL (Indexed Universal Life): A Life Insurance contract often structured around & used for it's living-benefits, such as the self-loaning feature, indexed-performance gains on cash savings, better tax-strategy, legacy wealth-building, cash-accumulation with 100% liquidity, 0% floor for no-loss on invested capital.

⚫️ Annuities: A Life Insurance contract where a paid-in amount, lump-sum or installments, is invested in exchange for guaranteed income, often for life or a set-period, with payments starting either immediately or at a later point, designed for retirement & later years, protecting one from outliving funds & protecting savings from market volatility.

⚫️ Final Expense: Traditional, straight-up Whole-Life coverage; a certain amount of death-benefit coverage at a certain monthly or yearly premium. Rates are most impacted by age, health & medical record.

An IUL is typically structured for it's living benefits, capitalizing on the tax-free use of it's performance-based gains via self-loaning, in this case replacing the use of one's own cash earnings/ savings for the tax-free loaned amount against the performance-based earnings. Used for better tax-strategy, an IUL keeps the invested cash in a tax-deferred status until withdrawal (pay-out), while self-loaning against that principal, not a withdrawal (no tax). Various adjustable features such as participation-rates, caps & spreads make the IUL a fine-tuned & personalized financial vehicle, all of which have at least a 0%, if not higher, floor, meaning 0-loss during any market downturn. All this provides tremendous living-benefit & unparalleled treatment of your dollar, arguably the best legal vehicle within IRS-code for financial solvency, if structured intentionally in design & funding. It also provides a death benefit as Whole Life Insurance and will pass on your cash-value upon your passing.

Annuities are also used for their living benefits, capitalizing on their singular ability to provide actually guaranteed income & amounts NOT controlled or potentially threatened by dips in the economy or market. The main considerations will be if you need an Immediate or Deferred Annuity, Fixed or Indexed. Immediate starts your payments immediately, while Deferred allows your principal to grow before payments begin. Fixed Annuities provide set rates & amounts, whereas Indexed provide participation-based growth.

A Final Expense contract is a straight forward Whole Life amount left upon your passing to the beneficiary/ beneficiaries you name. One of these contracts is great to add within your portfolio, ensuring a specific amount for a specific purpose, so these types of expenses are specifically covered during what can be some of the hardest times in families' lives.

In the case of IULs, the amount of actual Insurance is often a reverse-engineered amount, based on the other factors & living benefits being prioritized, such as the paid-in premium amount & indexing features and percentages. It's often more common to calculate the requested amount within an IUL as a result of intentional, personal structuring.

In the case of Annuities, the amount of coverage is again calculated based on the investment amount, effectively what amounts you'll want paid-out to you when payments begin, and should be determined based on what you want your Annuity Income Stream to do for you, a key-difference being how the accumulation (if any) & distribution phases will be structured.

In the case of Final Expense, the amount is determined by what costs exactly you want covered, but can be more straight forward; cremation with ceremony in most States ranging from 3 - 8k, burials ranging 8 - 16k, keep in mind it's worth accounting for inflation, since the point is to ensure that costs are fully covered. Beyond that, are any other outstanding bills or debts current or likely at time of passing & any other amounts you'd want left toward the ceremony or cash value left as a gift to any beneficiary/ beneficiaries.

You can fill out the Contact Form by selecting "Get a Free Quote" OR, if you know the type of Insurance Structure you're interested in, please fill-out the associated form by clicking "Learn More" beneath IUL, Annuity or Final Expense, or directly on IUL, Annuity or Final Expense beneath Services in the Menu at the top of this page.