Achieve Tax-Advantaged Growth with Indexed Universal Life Insurance
If you want the growth potential of market-linked returns with the downside protection of insurance, an Indexed Universal Life (IUL) policy could be perfect for your needs. As IUL experts serving Ohio, our team can help you select the right plan.
Here are a few benefits of IUL from Insurance Lab LLC:
Index Crediting: Your policy value tracks major market indexes like the S&P 500, but you don’t lose principal if indexes decline due to caps and floors. This smooths volatility.
Tax-Free Accumulation: Earnings accumulate tax-deferred, thus enabling the re-investment of more than through taxation as ordinary income every year.
Living Benefits: Most policies offer tax-free access to capital gains through policy loans if cash is necessary for major expenses, such as education, home repairs, or supplementing retirement.
Estate Planning Tool: IUL can pass wealth to beneficiaries’ income and estate tax-free through its death benefit.
Rider Options: Customize your plan further with added guarantees like long-term care or chronic illness coverage.
Contact us today for a complimentary consultation where we’ll discuss your objectives, risk tolerance, and financial situation. Let our expertise help you choose the right IUL strategy to grow your legacy.