Indexed Universal Life Insurance for Tax-Free Retirement Income

Описание: If you've ever wondered how some people build tax-free income outside of traditional retirement accounts, indexed universal life insurance (IUL) might be the key. In this episode of Financial Fast Track, Tod Long breaks down what an IUL is, how it works, and why it can be a valuable addition to your retirement plan.

Unlike traditional life insurance, an IUL policy builds cash value linked to market indexes like the S&P 500 but without market downside. This means your principal is protected, and your cash value can grow tax deferred. Tod also explains the living benefits attached to IULs, such as tax-free income, long-term care coverage, and flexibility in retirement income planning.

You'll learn:
• How IULs protect your principal while offering growth potential tied to market indexes
• Why IULs provide living benefits you can use during your lifetime, not just a death benefit
• How policy loans from IULs can generate tax-free retirement income
• What makes a properly structured IUL policy compliant with IRS guidelines
• How IULs can complement Social Security, IRAs, and 401(k)s for tax-efficient retirement planning
• When an IUL might be suitable depending on your age, health, and retirement goals
• The importance of professional design and funding to avoid tax pitfalls like modified endowment contracts

This episode is designed for pre-retirees and retirees seeking clarity on retirement income strategies, tax efficiency, and risk management. If you want to explore how an IUL could fit into your retirement picture alongside your existing accounts, Tod’s insights will help you gain confidence and control over your financial future.

📞 For the next 10 callers: Tod Long is offering a no-cost, no-obligation Financial Fast Track Review. This personalized session includes a tax and risk assessment, an analysis of your current accounts, and a customized income plan that integrates IULs and other retirement strategies. Call 888-548-0409 or visit https://financialfasttrackradio.com to schedule your review.

Educational content only — not investment, tax, or legal advice.

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