What is the main difference between Annuities and IULs?
Annuities are insurance contracts focused primarily on guaranteeing income you cannot outlive, while IULs (Indexed Universal Life) are life insurance policies that build cash value you can access via tax-free loans. Done by a Safe Money Professional, most do not need to be paid back. (see link below)
How do Annuities provide lifetime income?
You convert a lump sum into an immediate or deferred stream of guaranteed payments that continue for your entire life, regardless of market performance.
How do IULs provide lifetime income?
You build cash value over time based on market indices (with a floor against losses) and take tax-free loans or withdrawals against that value to supplement retirement income.
Is my money protected if the market crashes?
YES for both: Fixed Annuities offer guaranteed principal protection, while IULs have a “0% floor” ensuring you never lose cash value due to negative market performace.
Which option is right for me?
Contact us and our Safe Money Professional will provide you a Expert Financial Analysis with No Obligation. The EFA is our proprietary software that considers your goals and dreams. The EFA document will provide you a road-map showing your income for life.
No guessing only your personal road-map. Click _HERE_ to select your Date & Time for a One-On-One Video Meeting.
Disclaimer: This summary is for informational purposes only. Products vary by carrier and contract. Please consult us, speak with our Safe Money Professional before making decisions.
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