Indexed Universal Life Insurance

indexed universal life or a 529 plan

4 key features of Indexed Universal Life for College Planning

There are many reasons that you may plan for your death, one being the provision of an income for those that you love so that they are able to maintain their standard of life. There are different types of life insurance, although the common goal is this death benefit protection. Many people are surprised to.. More

indexed universal life or a 529 plan

Indexed universal life or a 529 plan?

Even in this age of online education and wild business success stories told by dropouts who are making millions, nothing can beat a good, well-rounded college education. Sadly, nothing can beat the prices of a good, well-rounded college education either. College tuition is rising steeply and there’s no sign the climb will stop. You may.. More

indexed universal life for executive bonus plans

Using indexed universal life for executive bonus plans

In today’s world, changing jobs is not a monumental undertaking. The concept of staying at one job for 30-years is pretty are. In fact, the average person will change jobs anywhere from 10 to 15 times during their career. Most Americans works will spend less than five years at every job. If you’re looking for.. More

Should I Buy Indexed Universal Life?

When you’re shopping for life insurance coverage, there are dozens of different factors that you’ll need to consider to ensure that you’re getting the best plan available. It can be a difficult process trying to decide which plan is going to work best for you, but it’s important that you find the best coverage. There.. More

more pension income at retirement

Little known secret to get more pension income at retirement

Life insurance can be a complex and confusing purchase. There are dozens of reasons people buy life insurance. It can fit many needs and goals. For a long time, life insurance has been used in pension planning. When deciding what pension option to take, many times life insurance can pay a huge role. Using life.. More

buy term and invest the rest

Indexed universal life vs. buy term and invest the rest

In the retirement planning marketplace, the ‘indexed universal life insurance vs. buy term and invest the rest’ debate continues. The proponents of indexed universal life (IUL) are typically insurance and retirement planning professionals. The proponents for ‘buy term and invest the rest’ are typically media personalities that believe in living debt free and are selling some.. More

tax treatment of IUL cash value

Tax treatment of IUL cash value

Not every type of cash value life insurance will allow you to withdraw from the cash value. An indexed universal life (IUL) insurance policy does allow for cash withdrawals but what if any, are the tax ramifications? The tax treatment of IUL cash value is what makes it such a powerful investment tool. There are.. More

buy sell agreements with indexed universal life

Funding buy sell agreements with indexed universal life insurance

Previously on this blog, we’ve touched upon using indexed universal life for some seemingly unconventional purposes such as retirement planning and mortgage protection. One of the other things indexed universal life insurance policies are commonly used for is funding buy-sell agreements between two business owners. Let’s examine some reasons why more business owners should follow.. More

IUL at 35

IUL at 35: Why it Makes Sense

Wow! How time flies! Seems like just yesterday that the real world would open its doors and say here I am, come and get it. Well, age 35 in my opinion is still young. For those that have been slow to find their perfect fit in this land of opportunity, time is still on your side. Especially when it.. More