The Power of Zero - Transform Your Retirement

The Power of Zero - Transform Your Retirement

As baby-boomers nearing retirement, there is a growing concern about preserving wealth. This concern can be minimized by putting “The Power of Zero” to work. This can be accomplished by adding an Indexed Universal Life policy to their retirement plan.  

An indexed account uses a different/unique crediting calculation based on the performance of various indices, such as the S & P 500 Index and the Global Index. Over a specified period of time, based on the calculation method and the index account used, the change in the index performance will be determined. This is referred to as the “Index Percentage Change”.  

Growth Period Potential 

When the indexed percentage changes in a positive direction, money in the indexed accounts will be credited as a positive increase.  

Power of Zero Effect  
When the index percentage changes in a negative direction, the indexed account will be credited with Zero(0%) rather than a negative rate. This prevents a loss in principal and at the same time locks in the previously earned growth, thus keeping the account value positive.  

Bear in mind that this method of index growth and locking in growth while fending off losses works for a fixed indexed annuity as well as an Indexed Universal Life policy, but the Indexed Universal Life Policy is the better vehicle that can be used the really experience a zero tax bracket and transform retirement.

Four Key Features of the Indexed Universal Life

Two Index Account Options can Provide Growth Potential to Help Outpace Inflation

  
Guaranteed Minimum Interest Rate or “Floor” can Bring Safety Through Guarantees 

Federal Income Tax-Free Death Benefit to Help Protect Your Family if a Loved One Passes Away

 
Tax-Free Loans and Withdrawals, Tax Deferred on any Earnings, and Tax-Free Transfers can Help Reduce the Effect of Taxes 

Now Is The Time

The need has never been greater as more and more people are worried about their future. 

Individuals and families across North America are hurting financially and are more confused than ever about the steps they need to take.

Now is the time to help people find the solutions to reach their financial goals.

Features of an IUL

To build assets or increase purchasing power, growth has to exceed inflation, not just keep pace with it. A choice of domestic and global index account options may offer the opportunity you need to keep up.