Indexed Universal Life · Tax-advantaged

Your 401(k) pays taxes when you retire. This account doesn't.

See if an IUL policy could help create tax-advantaged retirement income while protecting against market losses

Just a few questions to check eligibility

Step 1 of 50%

Are you currently investing in the stock market?

401(k), IRA, brokerage, crypto — anything counts.

401(k) vs. IUL: Which One Protects You?

	401(k)	IUL
Market crash protection	✕Your balance drops with the market	✓0% floor — can't lose value to a market crash
Taxes on withdrawals	✕Fully taxable as income	✓Tax-free access
Access before 59½	✕Penalties for early withdrawal	✓No withdrawal penalties
Contribution limits	✕IRS caps how much you can save	✓No IRS contribution limit
What happens if the market crashes right before you retire	✕Your retirement date may be delayed	✓Your account value is protected regardless of timing
Family protection if something happens to you	✕No death benefit	✓Tax-free death benefit included
Access to funds if you get sick	✕Not available	✓Living benefits let you access funds for critical illness

Market crash protection

401(k)

✕ Your balance drops with the market

IUL

✓ 0% floor — can't lose value to a market crash

Taxes on withdrawals

401(k)

✕ Fully taxable as income

IUL

✓ Tax-free access

Access before 59½

401(k)

✕ Penalties for early withdrawal

IUL

✓ No withdrawal penalties

Contribution limits

401(k)

✕ IRS caps how much you can save

IUL

✓ No IRS contribution limit

What happens if the market crashes right before you retire

401(k)

✕ Your retirement date may be delayed

IUL

✓ Your account value is protected regardless of timing

Family protection if something happens to you

401(k)

✕ No death benefit

IUL

✓ Tax-free death benefit included

Access to funds if you get sick

401(k)

✕ Not available

IUL

✓ Living benefits let you access funds for critical illness

What $250 a month could look like

Put $250/month into an account like this for 15 years. It grows tied to market gains, protected from market losses, and you can access it tax-free — for emergencies, opportunities, or income, anytime you need it. No crash can take it backward.