Tax Free Family
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  • IULs Explained
  • Policy Design
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    • Tax Free Family
    • IULs Explained
    • Policy Design
    • Kids
  • Tax Free Family
  • IULs Explained
  • Policy Design
  • Kids

Professional Services for Tax Free Family

Index Universal Life Policies

Index Universal Life Policies

Index Universal Life Policies

Featuring flagship products from Securian Financial, let us design a great policy that maximizes your financial upside with the least amount of risk.

Annuities

Index Universal Life Policies

Index Universal Life Policies

Money when you need it. You've spent a lifetime saving, now make sure you have a consistent and dependable source of income.

Properly Structured IUL

Properly structuring an IUL can be the key to unlocking maximum growth potential, tax advantages, and lifelong security. In this video, we’ll walk you through the essentials of setting up your IUL—don't get caught in a bad policy!

Not All Policies Are Created Equally

Maximum Cash Contributions

Policies have two components: cash accumulation and the insurance death benefit (to be inherited by beneficiaries). Most clients opt for cash accumulation as a priority. An IUL policy designed for that should contribute the most money allowed by the IRS toward cash growth and the minimum allowed toward insurance. Roughly an 80/20 contribution ratio. 

Cap Rates

Cap rates on one-year point-to-point policies tend to be lowest and will decrease over time. 2-year and 5-year point-to-point cap rates are significantly higher. Mixing your premium contributions with different point-to-point models can lock in short term gains and elevate overall returns in the long term.

Cash Participation Rates and Spread Charges

Low participation rates and spread charges can hamper cash growth. Make sure that your policy has maximum participation rates and minimal spread charges.

Maximize Your 1035 Exchange

Thinking about switching your Indexed Universal Life (IUL) policy to a new insurance company? A 1035 exchange could be the smart, tax-efficient move—but only if you know how to optimize your policy first! 

1035 Exchange

When IULs Don't Perform As Illustrated

Not all IUL policies perform as illustrated and some salespeople can cloud hidden fees. Don't get mad, get even! Switch your policy to a better company as soon as possible using a cash value 1-to-1 1035 exchange and see the growth you were advised was possible. 

Long Term Care and Overloan Protection

The costs of healthcare continue to rise. 70% of people will require substantial medical care late in life. Consider adding a LTC rider to your policy so that the death benefit can be accessed during your lifetime. If you have a medical event that inhibits your mobility and quality of life, you may trigger the rider protection and save your family the time and money for enhanced care.


Overloan protection is also another great option to consider. With certain (not all) types of IUL loans, the loan value can grow beyond the cash accumulation when the market is down. Establishing overloan protection will ensure that your cash disbursals do not overtake the account value and trigger a taxable event.

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