Resources for your Retirement

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Retirement Solutions

403b – A 403(b) plan is a retirement plan for certain employees of public schools, tax-exempt organizations, and ministries. Individual 403(b) accounts are established and maintained by eligible employees. The employer may determine the financial institution(s) at which individual employees may maintain their 403(b) accounts

457b – 457(b) Deferred Compensation Plan is an employer-sponsored plan that allows employees to deduct pre-tax dollars from their paychecks and contribute the monies into a retirement savings plan. The 457(b) plans pre-tax status is similar to the traditionally offered 403(b) retirement savings plan. 457(b) plans are eligible governmental supplemental retirement plans and as such, are not subject to qualified plan distribution rules. Plans of deferred compensation described in IRC section 457 are available for certain state and local governments and non-governmental entities tax-exempt under IRC 501. They can be either eligible plans under IRC 457(b) or ineligible plans under IRC 457(f). Plans eligible under 457(b) allow employees of sponsoring organizations to defer income taxation on retirement savings into future years. Ineligible plans may trigger different tax treatment under IRC 457(f)

Tax-Free Retirement Account / Indexed Universal Life
– Upside Potential. Downside Protection. One of our most popular and flexible plans! In addition to death benefit protection, an Indexed Universal Life Insurance product offer cash value accumulation potential. This means policy values can be placed into one or multiple Indexed Crediting Strategies plus a fixed account to diversify your growth strategy. The indexed strategies offer upside accumulation value potential in your life insurance policy based in part on the performance of a major index. All of the indexed strategies we recommended offer downside protection from loss with a 0% Floor Guarantee. In addition, the IUL plan offers Living Benefits. Living Benefits are a life protection solution to protect you when life happens. Terminal illness, Chronic Illness, Critical Illness, Cancer, Heart Attack, Stroke, etc

Tax-Free Retirement Account / Life Solution Living Benefits

The good news is many of our carriers offer Living Benefits at no additional cost, these allow you to use a portion or all of your policy death benefit should you have a qualifying life event such as terminal, chronic, or critical illness, or critical injury.

Terminal Illness

If you are diagnosed with terminal illness that will result in death within 24 months certified by a physician.

Chronic Illness

If you are not a able to perform two of the six ADL (activities of daily living) for a period of 90 consecutive days or you are cognitively impaired.

Activities of Daily Living- Bathing, Continence, Dressing, Eating, Toileting,Transferring

Critical Illness

ALS (Lou Gehrig’s disease), Aorta Graft Surgery, Aplastic Anemia, Blindness, Cancer, Cystic Fibrosis, End Stage Renal Failure, Heart Attack, Heart Valve Replacement, Loss of limb, Major Organ Transplant, Motor Neuron Disease, Stroke, Sudden Cardiac Arrest

Critical Injury

Coma, Paralysis, Severe Burns, Traumatic Brain Injury

Indexed Universal Life Insurance (IUL) is a versatile retirement solution offering the combined advantages of upside potential and downside protection. It serves as a powerful and flexible alternative to traditional retirement accounts like 401k, 403b, 457, and IRA, providing unique benefits that these accounts cannot replicate.

  • Tax-free income due to IRS tax code exemption.

  • No market risk – Zero is our hero.

  • Your investment won’t spend any time making up for market losses.

  • Die too soon – death benefit for your family

  • Live too long – Cash available to supplement your retirement or for unexpected family needs that come up.

  • Become ill – You can access a portion of the death benefit to pay for living or medical expenses.

The content provided on this website serves informational purposes solely. Guidelines on available riders and the percentage of acceleration vary among carriers and states. To obtain information specific to your situation and state, it is crucial to consult with a licensed US!!!

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