
0% Floor, If you had $100,000 in an IUL and the stock market dropped 20%, your IUL cash value would remain at $100,000, in the stock market your value would drop 20% leaving you with a cash value of $80,000. In this illustration you can see in 2000, the market dropped -10%. The IUL lost 0%. The downside is that when the market rebounded in 2003, you would have been capped on your gain of 11.5% (some IUL’s have higher or lower caps) but the fact remains you have 0% risk to lose. See the gains after almost 20 years, on the bottom line, over 140K higher returns with the IUL. When you purchase an IUL insurance policy, you’re getting permanent coverage as long as premiums are paid. Your policy includes a death benefit, which is paid out to your named beneficiary or beneficiaries when you pass away. But the policy can also increase in value during your lifetime through a cash value component.
We design our products for people who seek death benefit protection, want the possibility of upside potential with no downside risk, and like the flexible options to borrow from the value of the contract.
- IUL you can make unlimited contributions vs. 401K limits
- Tax Free Withrawals 0%Interest Loans