Indexed Universal Life Archives | Ogletree Financial

Indexed Universal Life

Best Way to Design an Indexed Universal Life [IUL] Policy

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. If you are looking to use IUL to help reduce income taxes during retirement, you must design your…

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 spiral further out of control, there’s a growing sense of dread. In fact, as of May 2019, our nation has gone from a budget surplus…

Lifetime Economic Acceleration Process | LEAP

Accumulating wealth for retirement can be stressful and confusing, there’s no doubt about it. Research reveals differing opinions, pros and cons, and scam declarations, with many articles pitching a product in the author’s conclusion. How do you know what you don’t know? We’ve previously discussed Look before you LIRP, the Power of Zero, the Volatility…

What is Indexed Universal Life? Download our 2020 guide

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 more than 40 companies that offer indexed universal life insurance and more joining the mix each year. What is Indexed Universal Life? Here is a…

Deferred Compensation Plans for Business Owners

Whether you own a small, medium, or a large business, in today’s economy finding and keeping the best employees can be difficult. All business owners would like to believe that providing a great work environment where everybody enjoys working should be enough to hire and retain qualified employees that want to grow in your business…

What is a Premium Deposit Account?

A Premium Deposit Account (also referred to as premium deposit fund) was designed for life insurance applicants who want to deposit a considerable amount of money in a life insurance policy that will earn interest and eliminate the possibility that the insurance policy could become a modified endowment contract (MEC). Since the PDA is a…

Survivorship Life Insurance | What, When, Why, and How?

Married couples have the option of buying individual life insurance policies or a joint policy known as survivorship or second-to-die life insurance. Although in most cases, an individual policy may be more appropriate, there are circumstances when survivorship life insurance is the better choice. Most people know what survivorship life insurance is, but are unsure…

Finance Your Life Insurance Premium

Borrowing the money from a third-party lender to pay for a large life insurance policy is becoming more popular as lenders look to capitalize on this segment of business and insurance companies are certainly willing to accept premium financing. The purpose of financing life insurance premiums is pretty straightforward. The applicant wishes to purchase a…

The Volatility Shield by David McKnight | Book Review

THE VOLATILITY SHIELD How to Vanquish the 4% Rule & Maximize Your Retirement Income A Financial Novella by David McKnight If you are a fan of David McKnight’s THE POWER OF ZERO or LOOK BEFORE YOU LIRP, you will probably love learning about retirement planning by reading the Financial Novella, The Volatility Shield. We…