The traditional “buy term and invest the difference” financial strategy of buying low-cost term life insurance and investing the difference in the stock market was created to replace the plan of buying expensive cash-value life insurance or permanent insurance.
Buying Term and Investing the Difference is NOT the Best Strategy.
The IUL LASER Fund Solution
When an Indexed Universal Life policy is properly structured correctly and maximum funded, it can become very inexpensive, compared to traditional cash-value insurance. It provides death benefit for legacy planning while providing incredible living benefits, such as tax-free income and liquidity.
When E.F. Hutton, the original designer of max-funded, tax-advantaged life insurance policies introduced the concept in 1980, it was specifically designed to eliminate the dangers of market volatility and the negative impact of taxes and inflation.
A properly-structured and maximum-funded IUL policy, or what we call an IUL LASER Fund, can be the ultimate “buy term, invest the difference” strategy, couched under a tax-free umbrella (although insurance is NOT an investment). An individual can potentially be “self-insured” in less than 15 years.
Money inside an IUL LASER Fund can be indexed, or LINKED TO, the market, but is not IN the market. This allows your money to grow when markets are up, while being protected from loss due to market volatility when markets are down.
Disclaimer: Life insurance policies are not investments and, accordingly, should not be purchased as an investment.
Don’t get caught with your money at risk. Indexing with IUL LASER Funds is a safe yet innovative financial solution that combines the power of upside market potential, yet limits the risk of losing your principal when markets plummet and fall. What’s more, with an IUL LASER Find, you benefit from the safety of the financial institutions you’re working with — unlike the banks and credit unions that proved to be vulnerable during the Great Depression and Great Recession, your money is safe and secure with insurance companies that have been serving customers for more than 100 years.
We have helped many highly successful people accumulate their money safely, earning predictable, tax-free rates of return, with historical annual average rates of 5–10%. What that means is, when they retire, every $1 million dollars they have accumulated can generate $70,000 – $100,000 per year of tax-free income (aka tax free retirement), without depleting the principal on their nest egg!
