Higher Incomes

• Tax-Free Retirement for High-Income Earners.

Index Universal Life (IUL) is for you if you are:

1) Already a Tax-Qualified Plan contributors (you are contributing to your company's 401k, IRA, etc),

2) High-income earners making more than $160,000 per year (individually or jointly as married couple),

3)Individuals who want to save more than $4,000 per year in a tax-favored environment

• Tax-Free Retirement for Physicians/ Doctors.

Many doctors make more than $160,000 per year, which is the phase-out limit for being able to contribute to a Roth IRA. Therefore, they have no tax-free retirement option available to them other than life insurance. And even for those who make less than the phase-out limit, a Roth IRA only allows a few thousand dollars per year for the contribution amount.

Doctors generally need IUL because:

• They need to protect a large income for their families.

• They carry high debt (often this is due to starting out in debt from large medical school bills and low wages during their residency and internship years).

• Protection from lawsuits. For individuals in high-income professions, especially physicians, due to the threat of a malpractice suit, this can be a good solution.

• Tax-Free Retirement for Business Owners.

Many business owners don't get started putting money away for retirement than for most other profession because:

• Money is lean in the early years, thus they don't begin a habit of saving right from the start.

• The business is hungry. There is always something that is calling for more cash.

• Most business owners start their business by acquiring substantial debt.

• Most business owners are so engrossed with starting and running their company that they haven't taken the time to research where they would save money even if they could.

• Many business owners who can and would save money for retirement don't want to use tax-qualified plans because funding a plan for themselves means that they usually need to fund it for their employees as well.

Index Universal Life is the perfect retirement solution for business owners because it overcomes all of the obstacles above:

• Index Universal Life can provide Tax-Free income if it is properly funded.

• Since Index Universal Life is not considered a tax-qualified plan according to the IRS, there is no requirement

• It's simple and easy. There are no separate record keeping or tax forms required.

• It provides instant liquidity (for pennies on the dollar) to the owner's heirs or estate if the owner decides to keep the business until his or her death.

• Cash value can be treated as Asset to the company.

Conclusion: Why wait? By using the Indexed Universal Life (IUL), you never have to factor in any negative numbers (it's contractually guaranteed to NEVER have a negative return. EVEN Not In a year. No matter how much a stock market goes down. The worst you can do in any given year is zero percent increase.