Saving for Retirement

IUL is an attractive option to traditional retirement plans for affluent individuals.

Safety and Growth

We’re living with the ever-present danger of loss of retirement principal due to stock market fluctuations and volatility. In 2008, the S&P 500 was down almost 40%, which was catastrophic for individuals and business owners. Protection against losses has become the top priority for my clients. 

With IUL, you can never lose one dollar of retirement savings due to stock market losses. This downside protection, by utilizing a 0% floor, is an important safeguard to help reduce the impact of market volatility, without giving up upside market potential. When the market is up your cash value can grow up to 13%. And the gains that you earn are locked in annually for the life of the policy. 

Flexibility and Tax Savings

Traditional retirement plans are designed with the assumption that you will need less income in retirement and that you will be in a lower tax bracket. In reality, that may not be the case. One of the main advantages of IUL is that you do not have to wait until age 59-1/2 to take distributions, and you pay no income tax or penalties on the distributions you take. There are no limits to the amount of your contributions and no minimum distribution requirements. IUL provides more flexibility and tax savings than traditional retirement plans.

A Perfect Fit

	Protection from loss of capital when markets are down and upside growth when markets rise
	Tax-deferred growth, tax-free income and tax-free transfer of assets upon death
	Flexible funding options and tax-free accessibility without penalties

For more information on the best IUL for you, click here to send an email or call Rob Fink at (858) 625-0800.

My savings got hammered in 2008, and since then I’m all about safety first with my retirement money. I’d never heard of IUL before Rob recommended it, but it’s been great for us.

M. M. | California