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One of the most effective ways to fund a retirement plan for people in their 30's, 40's, or even 50's, is through indexed universal life insurance.  The concept is to simply overfund a life insurance policy to accumulate significant cash value.  The main advantages to using this vehicle to fund a retirement plan are the following:

1) Downside protection - Some IUL's guarantee a 3% return every year even if the market goes down and allow for returns up to 14% cap.  This concept has allowed for historical average returns with many carriers of around 8% and guarantees that the portion of your premium allocated to your retirement fund will gain over time! 

2) Tax free income-At retirement - You will have the option to take out annual tax free income!  This is a huge benefit as most of us believe that taxes are very likely going to increase in the future.  Let's assume that you are in a 30% tax bracket at retirement and your cash value accumulation allows you to take out a $70,000 tax free annual income.  This would be the equivalent of $100,000 that you have to pay taxes on!!

3) Death benefit protection - All along the way, you will have permanent death benefit protection to take great care of your family in the event that something were to happen to you prematurely or later in life!!


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Don't just go to some goofy seminar... take the time to really plan for your retirement!
Most of us have a natural tendency to think of retirement planning as something that we don't need to really worry about until we are in our 50's.  Even though most of us realize that we should be preparing for it NOW, we are usually very passive about it and allow retirement planning to take a backseat to our other priorities.

However, allow me to point out a few staggering numbers that might ignite your urgency if you are in your 30's or 40's, or even younger.  

If a 45 year old female starts a life insurance policy funded as a retirement plan at $300 monthly, she would be projected to have $125,711 in her retirement account after paying in $75,600 at age 66, along with a death benefit all along the way of $250,000.  This would allow her to take out $14,464 annually in tax free income beginning at age 66.  

In contrast, another female at age 35, with the same contributions and death benefit, would be projected to have $266,726 in her account at age 66 after paying in $80,511, allowing for a tax free annual income of $31,283!!

As you can see, timing is everything in retirement planning!  The best time to plant a tree was 20 years ago, but the second best time is today!  Please contact us today for a free consultation at info@prospersbs.com or call 855-876-5252


    Don't wait any longer!

 
This is a great video from our friends at the Retirement Solutions Show.  Call us if you want more info.  855-876-5252