
Guaranteed Financial Security: Life insurance ensures a tax-free lump sum payout to your beneficiaries, safeguarding their financial future.
Most financial advisors don’t know accounts like this exist - nor, how to structure one to be legally tax-free for the account holder.
Reason 2:
Most financial advisors recommend financial vehicles their company tells them to recommend. And as a result, less than 0.07% of Americans have what we call a compound interest account set up
while more than half the population has a taxable 401(k) or similar tax-deferred retirement account.

You pay taxes on growth (the minute you withdraw)
Your growth & principal is not guaranteed (most 401(k)s rise & fall in lockstep, with the market)
Your money is not liquid (early withdrawals are penalized up to 10%).
You don't pay taxes on growth, but...
You can only deposit $6,500 /yr
& principal isn’t guaranteed - like most 401(k)s
Not liquid (same 10% early withdrawal penalty)
You never pay taxes on growth, Ever.
( This is 100% legal if your IUL is set up to be compliant with current IRS tax-code.)
You can deposit as much as you want. (No contribution limits - every cent in grows tax-free).
You never report income to the IRS, Ever. (The IRS doesn’t classify “income” as “income” inside this kind of account).
Your growth is guaranteed. (Your money grows at the same yearly rate as when you opened your account - even if the market crashes)
Your money is 100% liquid. (Your account growth and value - can be accessed in any amount - at any time - without penalty).
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