It’s quite simple. It is one of the only wealth-building tools available that allows your money to grow tax-free (income and capital gains) and be removed tax-free in retirement (without income taxes).
No risk of loss due to stock market downturns
With RL, the cash in your policy can’t go backwards due to downturns in the stock market.*
Also, gains are locked in annually.*
Let’s look at the statistics: 2000-2002 crash – The S&P 500 stock index lost from the highest point to the lowest point 46% of its value. 2007-2009 crash – The S&P 500 stock index lost from the highest point in October of 2007 to the lowest point in March of 2009 50+% of its value. Data from Yahoo finance.
With Retirement Life™, when the market goes negative, your cash account is credited with a zero rate of return (zero is your hero in down years). When the stock market increases, you capture some or all of the gains (it depends on the product and the return).
Depending on which Retirement Life™ product you look at, the 20-year back-tested returns (even with two huge market crashes) have averaged between 6%-8%. Would you have been happy with a tax-free return on cash in RL over the last 20 years of between 6%-8%? Most would say absolutely yes.
Simply email firstname.lastname@example.org or give us at a call at (888) 892-9882 and we’d be happy to provide you that information.
Hypothetical back-tested performance does not guarantee future results.
Retirement Life™ is a phrase used to describe Indexed Universal Life Insurance policies. Retirement life is not representative of any specific policy.
*Subject to the financial solvency of the insurance company.