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INSURANCE .

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Protect your family in case something happens to you.

Also build wealth and leave
a legacy. Everyone needs some type of life insurance.


Have questions? Want more info?	Contact a Team Member.

Everyone needs to buy different types of insurance to protect their family. You buy car insurance, home insurance, health insurance, and you also need life insurance. If you die, the family and loved ones you leave behind will need money to continue their lives. If you don't have much money right now, you should at least buy some inexpensive term life insurance. This will give your family money after you're gone. But by spending just a little more, you can buy other types of life insurance which gives you money to use during your lifetime while still giving money to your family when you're gone. These other types of life insurance will let you protect your family, build wealth, leave a legacy, provide for your retirement and give you money for other expenses.

IUL Insurance Chart

Indexed Universal Life insurance (IUL) is one type of life insurance we highly recommend. Not only are you protecting your family so they have money when you die, but you are also building wealth that you can use during your lifetime. IUL lets you save money now and take it out later when you need to use it. The money grows faster than some other investments because your value goes up when the market index increases, but does not drop when the market goes down. Furthermore, the money grows tax free. You can use it for retirement or to pay for college education... IUL is that flexible. Plus after you pass away there is value left for your family.

We can help you understand how to use this tool. Essentially you put extra money you have in an IUL so that it can grow. Officially IUL is for retirement so you do not have to declare this money when you apply for government assistance or college financial aid. But you can still take out money when you need it for any purpose... not just for retirement. What you are doing is "overfunding" so that there is a big "refund" waiting when you need money... just like most people do with the annual tax returns.

You need to decide how much money your family will need when you are gone, and also how much money you need to use during your life. You can plan to use an IUL for various expenses, provide for your retirement income, give money you need for long term health care, and still leave money left that can go to your family and your heirs after you die. We recommend that you sit down with your Financial Advisor to discuss your plans and goals. There is no cost for this consultation, and afterwards you will be confident that your can enjoy your retirement and leave a legacy for your family. Contact us with more information about you and your family so we can customize an insurance plan for your unique situation:
Contact a Team Member.

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