This Indexed Universal Life (IUL) policy is designed for a 19-year-old (turning 20), funded by his father with a monthly contribution of approximately $300.

Core Protection from Day One

• Up to $500,000 in death benefit
• Living benefits included from day one, covering:
  • Cancer
  • Dementia & Alzheimer’s
  • Organ transplant
  • Burns & major injuries
  • Lung-related illnesses and other critical conditions

These living benefits allow access to policy benefits while the insured is alive, if qualified conditions occur.

Indexed Growth Strategy

• Funds are allocated to an indexed account
• Upside cap: 11.75%
• Downside protection: 0% floor
  • This means the policy does not lose value due to market downturns, while still participating in market-linked growth

Long-Term Illustration Highlights

(Based on historical market behavior over the past 20 years; not guaranteed)

If contributions continue until age 65:

• Total contribution:
  👉 ~$168,624
• Projected cash surrender value:
  👉 ~$665,000
• Projected annual tax-free income potential:
  👉 ~$66,000 per year (via policy loans)
• Projected death benefit at retirement:
  👉 ~$780,000
• Income duration:
  👉 Potentially up to age 122, depending on policy performance and loan strategy

Over a lifetime, this can translate into millions of dollars of tax-advantaged income, while still maintaining a death benefit for heirs.

Why This Strategy Is Powerful

✔ Life insurance protection from a young age
✔ Living benefits for critical illnesses
✔ Tax-deferred growth
✔ Tax-free access through policy loans (when structured properly)
✔ Market upside with downside protection
✔ Long-term compounding starting early

This is the power of starting young and letting time do the heavy lifting.

Important Disclaimer (Must Be Included)

Disclaimer:
This presentation is for educational purposes only and does not constitute financial, legal, or tax advice. Indexed Universal Life insurance is a long-term financial product. Policy values, caps, participation rates, loans, and benefits are not guaranteed and may change. Illustrations are based on historical market performance assumptions and are not a promise of future results. Loans and withdrawals reduce cash value and death benefit and may cause the policy to lapse if not managed properly. Tax treatment depends on individual circumstances; please consult a licensed financial professional and tax advisor before making any decisions.

Closing Call to Action

If you’re looking to build wealth, protect your family, and create tax-efficient retirement income, I can custom-design an IUL strategy based on your age, goals, and budget.

📞 Let’s review a personalized illustration together.