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RETIREMENT READINESS

Learn how to have a Tax Free Retirement and build Supplemental Lifetime Income

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"I WISH I KNEW THEN WHAT I KNOW NOW"

This product is an Investment strategy for a Tax Free Retirement & building supplemental lifetime income through a Living Benefits life insurance policy

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INFORMATION

Living Benefits is the "NEW" life insurance where you don't have to die to use. Based on certain health related triggering events, you can accelerate your face value of your insurance policy while still alive.  Inside of our Permanent Living Benefits is an investing strategy for retirement.  This strategy is for a Tax Free Retirement while building supplement Lifetime Income.  Contact us for a 20 minute meeting in person or via ZOOM to hear the presentation.  We offer free quotes to see how this insurance and investment strategy can work for you.

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VIEW LIFE INSURANCE THRU DIFFERENT LENSES

Permanent Life Insurance has a built in cash accumulation savings.  Look at it as becoming your own bank.  Did you know Walt Disney, Roy Kroc (founder of McDonald's) and JC Penny all funded their business through their life insurance policy? Contact us for more details.

TAX FREE RETIREMENT  AND SUPPLEMENTAL LIFETIME INCOME

Indexed Universal Life is a retirement savings strategy built inside of our Permanent Living Benefits. It simulates the S&P market but we have a ZERO protection floor.  This means your retirement savings is protected when the market crashes. We offer this protection in exchange for up to a 10% cap.  Contact us for more details.

DON'T WAIT UNTIL IT'S TOO LATE

Getting a Life Insurance sooner than later is key.  As time passes, rates to qualify for insurance increases.  Starting sooner can lock in your age and health.  All applicants are subject to approval.  Starting sooner also allows time on your side to grow your retirement savings through the power of compounding interest.  Contact us for more details.

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FACTS ABOUT TAXES IN YOUR 401K OR 457 DEFERRED COMP

If you participate in a 401k or 457 Deferred Comp plan, the money you contribute into your retirement savings are not taxed.  Therefore when you need your money the most at retirement, you will be paying taxes on withdrawing your money.  As of 2022, you will pay a combined 22% in federal and state taxes.  If you withdraw before age 59.5 then there is an additional 10% penalty.  Keep in mind that you will no longer be contributing into your retirement savings plan.  So whatever you have at retirement is it.  Whatever sits in your retirement savings is also exposed to market losses.

LIFE INSURANCE THROUGH YOUR EMPLOYER

With most employers, you are provided with insurance "ONLY" while employed. You should ask yourself if the insurance provided by your work is sufficient for your surviving partner or children to maintain their lifestyle should something happen to you. Once you exit, quit or retire, your insurance typically is no longer available. If you currently don't have insurance outside of work and when you retire, the cost of insurance will be expensive due to age and health related reasons.  Check with your employer about your coverage.

401K & 457 DEFERRED COMP VS. INDEXED UNIVERSAL LIFE

As of 2022, the average return of the S&P is 5.52%.  Indexed Universal Life offers a cap of 10% in exchange for a ZERO protection floor.  When the S&P market crashes, your savings is protected and will not gain until the market goes back up again.  You will never lose any savings in this retirement strategy compared to 401k and 457.  Check out these real numbers from the S&P and compare it to IUL.

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WE CAN SHOW YOU HOW TO INVEST IN THIS STRATEGY - NO OUT OF POCKET

Simply stop contributing into your current retirement savings plan like a 401k or 457 Deferred Comp where your money is at risk and not taxed.  Now you can move that contribution over to our Indexed Universal Life strategy where your money is protected from market losses and will grow through compounding interest tax free.  You will also begin to build your supplemental tax free income for life.  You will have 2 buckets. 1 that will sit there until retirement and exposed to the market and the other protected through our IUL protected from market losses and growing tax free.

IUL TAX FREE RETIREMENT

This video demonstrates the power of having a tax free retirement using the IUL strategy. Applied knowledge empowers you to advance with achieving your financial goals. Contact the licensed agent whom shared this powerful message and apply the knowledge you learned.

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ABOUT US

Team XL offers clients the best possible protection for all of their insurance needs and a tax free retirement strategy. As agents representing a leading Life Insurance Agency since 1848, we are committed to finding the best insurance options for you. Our expert team has the knowledge to handle everything from the most simple policy to the most complicated package. Contact us to get a free estimate today.

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CONTACT US

9245 Laguna Springs Dr. Ste 200 Elk Grove, CA 95758

916.399.3677

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