An IUL provides clients with a unique combination of benefits that they cannot achieve in any other wealth
accumulation vehicle.
1. Tax Free Accumulation
No taxes on annual gains
2. Tax Free Distribution
At retirement distributions are tax-free
3. Tax Free Transfer
No death or inheritance taxes if properly structured and under most circumstances
4. No Risk of Loss of Principle
Market volatility does not affect accumulated value
5. Provides Income Clients Can’t Outlive
Riders allow for guaranteed income for life
6. Provides the traditional benefit of an insurance policy
It is an ideal investment to show a client who is already committed to the concept of life insurance since it
combines excellent wealthy accumulation and income benefits with a death benefit.
Ideal target assets are IRA’s, 401K’s, Pension Plans, CD’s and even some annuities.
