Frequently Asked Questions

• You must pay taxes (either in advance or when you're taking income in the future).
• Your money is not liquid (you can't access your money any time you want, and if you do a hardship withdrawal, you're heavily penalized).
• ​You are limited to how much you invest (plans with most tax benefits have annual funding limits).
• Your money is not guaranteed (the money in your 401(k) or IRA may increase in up markets but accordingly will decline in falling markets).
• ​You are required to report your earnings to the IRS. (Everything in a 401(k) or IRA is uncle sam’s business.)

• You don’t pay taxes on growth or principal. Ever. ( This is 100% legal if your account is set up correctly, and structured according to current IRS tax-code.)
• ​Average historical returns of 5-7% annually. (Tax-free, and net of fees and costs)
• Your Account is GUARANTEED not to go backwards. (Lock in gains when the market is up, but suffer NO loss when the market is down)
• Your money is Liquid. (Take money out any time you want – for any reason – without penalty – WHILE 100% of your money continues to earn interest.)
• ​You are not required to report money you take out to the IRS. (The IRS doesn’t consider money taken out as ‘income’ – so there’s no tax. It's none of their business!)

In fact, the IUL is not a new investment strategy.  

Accounts like these have been used by wealthy individuals and families for over 100 years to build, then pass on fortunes in a legally tax-free environment.

Banks like Wells Fargo, JP Morgan, Bank of America hold more assets in these accounts than they hold in real estate!

President John F. Kennedy had an account like this.

So did Presidents Taft, Cleveland, McKinley, Harding, and FDR (FDR, in fact, held a large portion of his estate—$562,142 or over $7 million in today's dollars—inside his account...)

Even John McCain used his account to fund his electoral campaign back in '08.

Joe Biden, our current president has SIX of these accounts...