3. Our retirement problem
Social Security 75 Year Deficit
Pension Plans Only 10% of companies
401(k), IRA, Roth Lost over $2 Trillion
4. Our retirement problem, cont’d
It’s an untold secret, you
can work a lifetime and do
everything right and not be
able to pay your bills in
retirement
Karen Ferguson, director of Pension Rights Center
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6. More benefits
“The Magnificent 8”
1. Safety
Receive a contractual guarantee that you’ll never lose your principle and earnings.
2. Liquidity
You have access to your funds prior to age 59 1/2.
3. Flexibility
Options include a “Fixed-Rate” of return or a “Participating Plan” rate.
4. Taxes
An IUL at distribution is tax-free. There is no tax on the growth.
If you pass away, there are no taxes for your heirs.
5. Growth potential
The potential for growth is much higher than qualified plans.
6. Contributions
No maximum on the amount of contributions.
7. Death Benefits
A death benefit is provided on all plans.
8. Living Benefits
Riders give policy owner access up to 100% of the Death Benefit.
7. The catch:
• Earnings limited to 15.25% per year
• Available to qualified individuals only
• Monthly, annual, or lump-sum
contributions are required
