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Life Insurance Retirement Strategies

Most people realize the primary benefits of life insurance. Your family receives a death benefit should you pass prematurely. However, life insurance has additional advantages based on the type of coverage you choose. You could also consider life insurance retirement strategies as a source of income.

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Indexed Universal Life Insurance

An indexed universal life (IUL) policy is a type of permanent life insurance. This means it has a cash value feature, as well as a death benefit.

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With an IUL, you can protect your family and accumulate a cash value that can be used when needed. An IUL is often based on an underlying index, such as the S&P 500. Each year, the insurance company credits your policy with interest based on the index. The cash value builds up over time and can be used as a source of income. 

 

IULs offer a way to benefit from stock market returns without risking losses. They track the performance of an index but are not directly linked to it. So, IULs reduce risk since no cash is put directly into the market. On top of that, it builds a death benefit that your beneficiaries will receive tax-free in the event you pass early. Also, the funds are held by the insurance company. And, each year, the insurance company sets an interest rate based on the movements of an index.

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Benefits of a Fixed Index Annuity (FIA)

Fixed index annuities offer guaranteed retirement income over the long term. They have several advantages.

Tax-deferred earnings are accrued in fixed indexed annuities. Interest on these retirement annuities is not taxable until you withdraw it. Therefore, this allows compound interest to grow.

Retirement annuities are designed to provide income during retirement.

You earn interest on your contract based on an external index. However, you are not buying stocks or shares of the index. So, your FIA is therefore safe from market losses. 

The death benefit goes to your beneficiaries after you pass away. Properly structured death benefits can also avoid probate.

The Right Life Insurance

Protecting your family is a top priority. But, retirement comes with some challenges. Finding the right life insurance in retirement is important. And, we provide you with tools to protect the people you love and your money. Join us for a session or schedule an appointment. We can help you determine if an IUL is the right life insurance retirement policy for you.

Is An IUL Right For YOU?

*Backed by the claims-paying ability of the carrier

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*Proceeds from an insurance policy are generally income-tax-free, and if properly structured, may also be free from estate tax. Income-tax-free distributions are achieved by withdrawing to the cost basis (premiums paid), then using policy loans. Loans and withdrawals may generate an income tax liability, reduce available cash value, and reduce the death benefit, or cause the policy to lapse. This assumes the policy qualifies as life insurance and is not a modified endowment contract. The Host and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. You should consult your own tax, legal, and accounting advisors before engaging in any transaction. This content is not intended to serve as the basis for any investment or purchasing decisions, nor does it recommend or involve the purchase, holding, or sale of a security.  All figures herein are hypothetical and for illustrative purposes only to explain general concepts.  No figure is to be relied upon as being accurate nor a guarantee or projection and is meant only as a partial overview of some relevant features and benefits of general insurance products that may be in the marketplace, and whose availability will be dependent on the State of residence of the consumer, and their individual suitability for the product they are wanting to purchase. Where insurance products are mentioned, any and all guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

 

By contacting Dana Dunkelberger, TX License #1490984, Tyler Dunkelberger, TX License #1977049/Reliance Retirement Services, TX License #2265020 you may be offered information regarding the purchase of insurance products, including fixed index annuities and life. NO products will be sold at the event and there is no obligation to make a follow-up appointment. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Reliance Retirement Services and our editorial staff. The information contained in this material has been derived from sources believed to be reliable, but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by Fusion Capital Management, an SEC Registered Investment Advisor in the State of Texas. The presence of this website shall in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of Texas or where otherwise legally permitted. All written content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph.

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