Growth potential
Cash value may earn index-linked interest without being directly invested in the stock market.
Keep more of what you build
Retire with income designed for greater tax efficiency.
Discover how a properly designed Indexed Universal Life strategy may help you build cash value, protect your family, and create another source of tax-advantaged retirement income.
Your strategy is built around your goals, timeline, budget, and need for life-insurance protection.
A different retirement conversation
What if more of your retirement income could stay yours?
You work hard to save for retirement. A tax-optimized strategy is designed to help you turn those years of effort into more flexibility, more control, and more choices when it is time to use your money.
An IUL can add a different kind of retirement asset—one that combines life-insurance protection with cash-value potential and access that may receive favorable tax treatment when properly structured and maintained.
The opportunity: protect your family today while building another potential source of income for tomorrow.
Designed for more than one goal
Benefits that can work together.
The right strategy can help address protection, accumulation, and future access within one long-term plan.
Downside-crediting protection
A floor can help prevent negative index credits during a market decline, subject to policy terms and charges.
Tax-advantaged access
Properly managed policy loans and withdrawals may provide a flexible source of supplemental retirement funds.
More from your life insurance
Four reasons families explore IUL strategies.
It is not about choosing a product from a shelf. It is about designing protection and future options around the life you are building.
Income with more flexibility
Create another potential source of retirement funds you can coordinate with Social Security, pensions, and retirement accounts.
Less exposure to market losses
Index-linked crediting can provide upside potential without directly participating in market declines.
No required minimum distributions
Life-insurance cash value is not subject to the same required minimum distribution rules as qualified retirement accounts.
A legacy for your family
Your strategy can provide permanent life-insurance protection while you build cash value for future goals.
Retire with choices
Give your future self more than one place to draw income.
When retirement savings receive different tax treatments, you may have more flexibility to choose where income comes from each year. That can help you respond to changing needs, markets, and tax conditions.
Potential retirement advantages
Tax diversification
Income flexibility
Family protection
Conceptual illustration only. It does not represent policy values, returns, or guaranteed results.
A strategy built around you
From today’s goals to tomorrow’s income.
Your plan begins with what you want retirement to feel like—not with a one-size-fits-all policy.
1
Choose a comfortable contribution
Build a funding strategy that fits your current cash flow and long-term priorities.
2
Allow time for cash value to grow
Consistent long-term funding gives the policy time to build meaningful future options.
3
Access funds for retirement
Properly structured withdrawals and policy loans may help supplement retirement income.
4
Review and adjust
Annual reviews help keep the strategy aligned with your goals and actual policy performance.
More than retirement income
Build options for yourself—and protection for the people you love.
A thoughtfully designed IUL strategy can support future income goals while maintaining life-insurance protection for your family.
Explore your possibilities ↗Could this fit your future?
You may want to explore an IUL strategy if you…
A short conversation can help determine whether the strategy deserves a place beside the retirement accounts you already use.
You want to build more tax diversity
- You already save for retirement and want another option
- You value long-term growth potential with downside-crediting protection
- You want permanent life-insurance protection
- You have time to let cash value accumulate
- You want a personalized funding strategy
You want retirement to provide…
- More control over where income comes from
- Greater flexibility as tax conditions change
- Another financial resource for unexpected needs
- A legacy for the people you care about
- Confidence that your strategy is reviewed regularly
Getting started is simple
See what an IUL strategy could look like for you.
Share your goals
Tell us what you want your protection and retirement income to accomplish.
See a personalized design
Review funding choices and illustrated outcomes based on your priorities.
Compare your options
Understand how the strategy fits alongside what you already own.
Move forward confidently
Choose only after your questions are answered and the strategy makes sense.
A few quick answers
Questions clients often ask.
Can I use an IUL with my existing retirement accounts?
Yes. An IUL strategy may complement workplace plans, IRAs, Roth accounts, annuities, and other savings by adding life-insurance protection and another potential source of tax-advantaged funds.
How much would I need to contribute?
There is no universal amount. A personalized design considers your budget, age, health, protection need, retirement timeline, and desired future income.
When should I start?
Because cash value needs time to accumulate, starting earlier may provide more time for the strategy to develop. The best time depends on your goals, cash flow, and eligibility.
Complimentary strategy review
What could a more tax-efficient retirement look like for you?
Jorge Cornejo will help you explore a personalized IUL strategy built around your protection needs, retirement goals, timeline, and comfortable contribution level.
Indexed universal life insurance is permanent life insurance, not an investment, deposit, bank product, or retirement account. Index-linked interest is subject to caps, participation rates, spreads, floors, crediting methods, and other policy terms. Policy charges and cost of insurance can reduce cash value even when index crediting is zero. Loans and withdrawals reduce cash value and death benefit, accrue interest where applicable, and may cause the policy to lapse. A lapse or surrender may create taxable income. Tax treatment depends on individual circumstances and applicable law; consult a qualified tax professional. Policy illustrations include non-guaranteed assumptions and actual results may be more or less favorable. Guarantees depend on the claims-paying ability of the issuing insurer. Product and rider availability vary by carrier and state.