Many ask, “Why choose an IUL if I don’t need life insurance—or have beneficiaries?”
I tell them: Focus on what it does, not just what it is.
For example: A properly structured, max-funded IUL can give you tax-free retirement income.
Say you put $100k annually into your IUL for five years ($500k total), starting at age 50.
By 65, you can access as much as $151k annually tax-free, and it lasts to age 120.
Compare this to a 401(k), which could run out by age 79.
Even if you don’t need the life insurance, IUL can deliver superior tax-free growth and income potential.
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