Index Universal Life Highlights

• Permanent Life Insurance Protection
• Can earn up to 12.5 % with NO down side risk of ever losing principal or interest.
• Zero is the worst your account can be credited. 2008 market went down $38%, this policy credited accounts 0%. Only happened 5 times in last 20 years.
• All gains are locked in.
• Interest grows Tax Deferred historically at 8.2% over last 30 yrs.
• Liquidity. You can retrieve your money at anytime with NO PENALTIES. You must pay back yourself with interest. This is much better than borrowing from bank or credit card.
• You can take tax free paychecks when you retire, and death benefit pays the loans back and taxes, plus still leaves a death benefit to beneficiary.
• Max loan rate is 6%.
• Can be used to pay for college, and when kids applying for student loans and grants, it is not counted as income or assets to qualify as are any other type of savings vehicle is such as 529 plan, savings account, ira, or mutual fund.
• Can be used to supplement retirement.
• Can be used to self finance a new car.
• ALLOWS YOU TO BE YOUR OWN BANKER.
• If don’t need to be dead to get paid death benefits paid to you. If you are critically ill, you are advanced death benefits. If you need a nursing home or in home care, benefits can be advanced.
• If you go on claim for any reason, your premiums payments are discontinued NO matter how old you are.