Financial Strategies
Indexed Universal Life
Cash Accumulation, Family Protection, Tax Strategies, and Retirement & Estate Planning.
Let's be proactive in the Market!
Financial Strategies
Financial Strategy #1
Cash Accumulation
Focus on compounding cash value growth
Permanent coverage death benefit protection
Long-term care coverage and living benefits
Protection and growth potential to help you achieve your goals
You have plans for the future. But it might be challenging to know how to reach them — and protect them in the process.
Let's customize your cash accumulation strategy.
This permanent life insurance provides a death benefit that can help protect your family today and give you cash value growth potential that can help enhance your future income.
What Is Indexed Universal Life Insurance?
It can help balance your need for protection and growth potential.
Future income and family protection. That's what we'll design for you together.
It’s permanent life insurance that will help protect your family members if you pass away. It also offers the opportunity for tax-advantaged growth by earning interest based in part on the performance of various indexed interest strategies.
This helps enhance your income potential.
You also get a guaranteed minimum interest rate in the fixed account and a guaranteed minimum floor rate in the indexed interest strategies.
Understanding How It Can Help You
One indexed universal life insurance policy can help meet many of your needs.
Take care of your loved ones
If you pass away unexpectedly, an indexed universal life (IUL) insurance policy can help make sure your family members have the resources to help:
Maintain their standard of living
Pay off mortgages or other debts
Carry out education plans for your children
Supplement your income in retirement
You can access your policy’s cash value via tax-advantaged loans
or withdrawals to help:
Supplement your retirement income
Prepare for future expenses, such as funding an education
Help with the costs of long-term care
Our cash indemnity Long-Term Care (LTC) Rider II lets you access the policy’s death benefit to pay LTC benefits each month without the hassle of submitting receipts
Plan for a legacy or estate
This product can help you build a tailored legacy or estate planning strategy that allows you to efficiently pass wealth on to your loved ones. Please contact a legal professional to help structure the policy for legacy or estate planning.
Features That Make It Possible
Because it’s life insurance, you receive important benefits and features that can help address a wide range of potential needs
Income tax-free death benefit
Offers a tax-efficient way to pass funds to your loved ones or a favorite charity
Paid directly to your beneficiaries to avoid delays due to probate or estate administration
Multilayered tax protection
Tax-free cash value accumulation
Income tax-free loans and withdrawals
No federal tax penalty for early withdrawal before age 59½
No taxes when cash value is moved from one indexed interest strategy to another
Higher income potential
Indexed interest strategies provide the potential for greater interest crediting to the cash value in your policy
Our Performance Lock feature lets you lock in gains once your target percentage is reached
Our Rewards Program offer enhanced growth potential
No taxes when cash value is moved from one indexed interest strategy to another
Additional advantages
Easy process to set up income payments
Optional riders allow you to customize your policy to fit your needs
Annual Review: information on your policy performance to help you manage & optimize your policy according to the current Market
How Your Policy Works
You get access to your policy’s cash value when you need it for income and offers a death benefit to help protect your loved ones
You make a premium payment to your policy
A portion of your premium payment will go toward policy fees and charges
The remaining amount will be allocated across your chosen indexed interest strategies and a fixed interest strategy
Allocating to the strategies helps to build your policy’s cash value in a tax-deferred way, so you can use it to:
Protect your family
Access Tax-Advantaged Cash
Help cover LTC expenses
(when the LTC Rider II is elected)
Contact Emily Xu | Financial Advisor
Financial Strategy #2
The goal of an Indexed Annuity is lifetime income.
We can design your annuity to provide growth opportunities and protect your retirement savings from negative markets.
Financial Strategy #3
Taxes
Bequests to loved ones can quickly turn from acts of generosity into complicated burdens due to many things, including taxes. Yet certain taxes may potentially be reduced through a smart legacy strategy.
If you're a business owner, we need to make sure you're not just giving away money.
And for non-business owners, there are still powerful ways we can help you save a ton of money when it comes to taxes.
Financial Strategy #4
Estate Planning
The 3 most common wealth transfer goals:
Protecting a spouse's standard of living
Providing for non-spouse Beneficiaries (such as children and friends)
Leaving a charitable legacy
Solutions such as life insurance and annuities can help minimize the tax burden on heirs by providing tax-free benefits.
Financial Strategies that give you control on how your assets are distributed so you can better meet your family's needs.
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