Indexed Universal Life Insurance

LIRPs for average joe

LIRPs for the Average Joe

You are probably reading this because someone suggested that you look into a LIRP to help with retirement planning. It was probably an insurance agent with a tax-free retirement pitch. We feel that LIRPs or better known as a Life Insurance Retirement Plan can be a great supplement to your retirement income. Historically, LIRPs have.. More

life insurance retirement plan

A LIRP Is a Life Insurance Retirement Plan

A LIRP is a life insurance retirement plan that provides you with the tax-free advantages of a Roth IRA without all of the hassles.  As Americans watch the national debt to spiral further out of control, there’s a growing sense of dread.  In fact, as of July 2018, our nation has gone from a budget.. More

LIRP pros and cons

The Pros and Cons with Life Insurance Retirement Planning (LIRP)

As we have mentioned before and will discuss again, a life insurance retirement plan or LIRP is a robust financial planning vehicle used by consumers of all walks of life to build their own private pension plan.  With the uncertainty of social security and fewer and fewer employer sponsored retirement plans, a LIRP is a.. More


IUL – Used For Retirement?

Shopping for life insurance coverage, specifically indexed universal life insurance, can be a tough decision. When you decide to use IUL for retirement planning, you are usually making a choice that will last a lifetime. There are many companies offering indexed universal life insurance.  With so many IUL plans to choose from, you really need.. More

Ultimate IUL Guide

The Ultimate Guide to Indexed Universal Life Insurance

Transamerica introduced the first Indexed Universal Life (IUL) insurance in the late 1990s, and since then it has grown to be over 50% of all of the Universal Life insurance premium in force and over 20% of the total premium for individual life insurance.  While Indexed Universal Life insurance IUL has become a widely sold.. More

indexed universal life

What is Indexed Universal Life?

A Complete Guide to Indexed Universal Life Insurance First offered in 1997 by Transamerica, Indexed Universal Life Insurance (IUL) has seen tremendous growth over the last 20 years. Today there are around 40 companies that offer indexed universal life insurance and more joining the mix each year. What is Indexed Universal Life? Here is a quick.. More

life insurance policy replacement

Should You Replace Your Life Insurance Policy?

Should you replace your life insurance policy?   Your current term life insurance policy is running out and premiums are increasing You had a baby You bought a new home and have more debt You are retiring You find a cheaper policy You quit smoking or using tobacco Your health has improved since you purchased.. More

is iul expensive

Debunking the myth that IUL is expensive

“ Life Insurance – The Most Expensive, can be the Best Life Insurance you can Buy!” A great example from Louis Labash on just how expensive IUL really is.  Once you understand what indexed universal life insurance is all about, you will be able to make better choices. Meet Joe, he is Considering buying Life.. More


Indexed Universal Life Insurance (IUL) | 5 steps to create a tax-free retirement income

Many of our clients today are looking for ways to use indexed universal life (IUL) as a way to build a tax-free income stream during retirement, save for college, or have cash in hand during an emergency.  So let me dig in and explain some of the advantages and disadvantages of an IUL policy. According.. More