Optimizing Your Financial Horizon with the WealthX (IUL) Policy –

A Journey Beyond Insurance.

Planning for the Unpredictable

Are you prepared for life’s twists and turns? The Policy Shop presents WealthX IUL, a comprehensive Indexed Universal Life (IUL) insurance policy tailored to secure your financial future. In an ever-changing world, this policy adapts to your evolving needs, providing a robust financial resource for unforeseen circumstances.

1. Addressing Vital Questions

Protecting Your Loved Ones: WealthX IUL ensures your family’s financial security with an income tax-free death benefit, offering peace of mind and stability during challenging times.

Adapting to Future Needs: Designed for flexibility, WealthX IUL allows coverage adjustments to align with your evolving lifestyle, ensuring it remains a reliable financial companion throughout various life stages.

Building Cash Value: Enjoy tax-deferred cash value growth without market volatility. WealthX IUL’s interest bonuses, enhances your accumulation potential, providing market based returns.

Accessing Your Wealth: WealthX IUL offers flexible options, allowing you to access your cash value when needed, empowering you to make financial decisions on your terms.

2. Understanding Indexed Universal Life

Market-Resilient Growth: WealthX IUL’s cash value thrives on market-indexed interest without direct participation in equity or fixed-income investments. This shields your policy’s cash value from market downturns, ensuring it never decreases due to negative index performance.

Diverse Index Options: Choose from various index options, including S&P 500, Bloomberg US Dynamic Balance Index II, of PIMCO Tactical Balanced ER, offering flexibility in different market conditions.

Tailored Crediting Methods: WealthX IUL employs diverse crediting methods, such as annual point-to-point, annual sum, trigger method, monthly average, and monthly sum. Your financial professional can guide you in selecting the most suitable method based on your unique situation.

The Power of Annual Reset: The annual reset feature protects your cash value, ensuring it remains intact even during market downturns. This stability provides you the confidence to navigate your financial journey without unnecessary risks.

3. Utilizing Your Wealth

Income-Tax-Free Access: WealthX IUL empowers you to access your cash value income-tax-free, offering various loan options, including indexed loans, standard loans, and preferred loans.

Living Advantages: In addition to financial flexibility, WealthX IUL presents three tax advantages: income-tax-free death benefit, tax-deferred cash value accumulation, and income-tax-free policy loans, ensuring a tax-efficient financial strategy.

Customizing Your Protection: WealthX IUL offers optional riders to tailor your policy, including additional term rider, child term rider, convertible term rider, enhanced liquidity rider, premium deposit fund rider, and more.

Partnering with a Trusted Name: The Policy Shop, backed by years of expertise, presents WealthX IUL as your reliable financial ally. We are committed to honoring our promises, ensuring your money is safeguarded with stability and a robust investment portfolio.

Secure Your Future with WealthX IUL

In a world of uncertainties, WealthX IUL performs. Consult with The Policy Shopt today to explore how WealthX IUL can empower you to unlock a stable and growth filled future.

—————————————————————————————————————————————————————————————

Related Content | Learn More about IULs:

What is Indexed Universal Life Insurance?

Here is the best explanation: Indexed Universal Life Insurance (IUL) is a type of permanent life insurance that lasts your whole life and has two main parts: a death benefit that pays out when you pass away, and a cash value component that can grow over time. What sets IUL apart from other types of life insurance is how the cash value grows. Instead of just earning a set interest rate, the cash value in an IUL policy can also increase based on the performance of an underlying stock market index, like the S&P 500.

How The IUL Works: When the index goes up, your cash value goes up too, but only up to a certain limit, called a “cap.” For example, if your policy has a cap of 7% and the index goes up by 8%, your cash value would only increase by 7%. However, if the index goes down, your cash value won’t lose any value – it stays the same, protecting your money from market losses.

The cash value in your IUL policy grows tax-deferred, meaning you don’t pay taxes on it until you withdraw the money. This allows your cash value to grow faster over time. Plus, because IUL is permanent life insurance, your loved ones are protected financially with a tax-free death benefit when you pass away, as long as you keep paying the premiums.

What are IUL insurance riders?

IUL policies also offer various optional add-ons called riders that can enhance your coverage. here is a list of the best:

• Adjustable Term Insurance Rider: Adds a term life insurance component to your policy for extra coverage.
• Additional Insured Rider: Extends coverage to your spouse or children.
• Long-Term Care Rider: Provides income to cover long-term care expenses like nursing home or home care.
• Chronic Illness Rider: Pays out a portion of the death benefit if you’re diagnosed with a chronic illness.
• Accelerated Benefit Rider: Provides a portion of the death benefit early if you’re diagnosed with a terminal illness.

Our team of IUL experts can help you decide if an indexed universal life insurance policy is right for your financial needs.