Take Control of Your Retirement
with the L.I.F.T. Strategy
Empowering you to maximize your retirement income, protect your wealth, and secure your financial freedom
The Life Insurance Funding Technique (L.I.F.T.) is an innovative approach to retirement planning that leverages the cash value of your Indexed Universal Life (IUL) policy. By reinvesting cash growth back into the policy, you can create a powerful cycle of compounding that leads to a significantly larger retirement income—without taking on additional risk or compromising tax-free benefits
Creating Your Own Tax-Free Personal Pension Plan
401k, IRA & Roth IRA Alternative
How L.I.F.T. Works
1. Properly Structure an IUL
Your journey begins by establishing an Indexed Universal Life (IUL) policy. This flexible product allows for tax-deferred cash value growth with protection against market downturns. The more you contribute initially, the greater the growth potential.
2. Implement the Funding Technique
Each year, a portion of your policy's surrender value is reinvested as a lump sum premium payment. This reinvestment accelerates growth by leveraging the compounding effect, ensuring your policy’s accumulation value grows exponentially larger.
3. Time will Boost Retirement Income
Over time, the compounded growth of your IUL creates a robust foundation for your retirement income. You’ll have the security of knowing your retirement income is both substantial and reliable.
4. Enjoy Tax-Free Retirement Income
When you’re ready to retire, you can set up a lifetime stream of tax-free income. This ensures your retirement income is free from tax burdens, allowing you to focus on enjoying your golden years.
Benefits of L.I.F.T.
1. Maximized Compound Interest
By reinvesting cash value into your IUL, you harness the power of compound interest, allowing your retirement funds to grow at an accelerated rate.
2. Boosted Retirement Income
With the L.I.F.T. Strategy, you can significantly enhance the income your IUL provides using the power of time, offering peace of mind and financial stability.
3. Tax-Free Growth and Income
Unlike traditional investments, your growth remains tax-free, allowing you to enjoy your wealth without tax burdens
4. Safe and Secure
An IUL offers protection from market volatility, ensuring your principal is always safe while enjoying consistent growth.
Examples of How L.I.F.T. Works
Scenario 1: 35 year old male with $20,000 and contributing $1,000 per month.
Retiring at age 65 will generate a lifetime tax-free income of $88,072
Add the L.I.F.T. strategy and the lifetime tax-free income will now be $121,406
Scenario 2: 40 year old female with $50,000 and contributing $500 per month.
Retiring at age 67 will generate a lifetime tax-free income of $47,653
Add the L.I.F.T. strategy and the lifetime tax-free income will now be $88,564
**The above scenario's are based on a APR of 6.44% due to AG49
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