Life insurance is more than just a safety net; it's a lifeline for you and your loved ones.

At Wealth for Life, we understand the significance of this coverage. What sets us apart is our focus on living benefits.

Imagine being able to access a portion of your policy's death benefit while you're still alive, precisely when you need it the most – during critical, chronic, or terminal illnesses.

This unique feature adds an extra layer of protection and support when facing life's unexpected challenges.

Let us guide you towards comprehensive coverage that not only secures your future but provides a safety net for your present as well.

Understanding the benefits of indexed universal life insurance

Protection

Indexed universal life is a form of permanent life insurance, meaning it can be designed to last your entire life and provide a benefit to your loved ones.

Growth Potential

After a policy fees and charges are paid, additional money can be allocated to indexed interest strategies. This gives the cash value the opportunity to grow.

Flexible Premium

With IUL, you can make premiums contributions when you want and in the amount you want, as long as you satisfy the contract minimum.

Additional benefits of an IUL

Guarantees

• A guaranteed floor rate for the indexed interest strategy to create downside protection

• An initial death benefit guarantee that makes sure the contract stays in force in the early policy years

• The guaranteed growth potential

Cash for Later

• Supplement income in retirement through tax-free loans and withdrawals

• Pay off mortgages and maintain your family's standard of living

• Living benefits are available that allow you to accelerate your death benefit to help with unexpected costs.

Tax Advantages

• Tax-deferred cash accumulation

• Tax-free loans and withdrawals

• No federal tax penalty for early withdrawals before 59 1/2

• An income tax-free death benefit that pays out with no delay from probate

Fixed Indexed Annuity may be right for you if you want...

Guarantees

You can choose the certainty of a fixed rate of interest that is declared each year by the insurance company and subject to minimum guarantees. Your annuity will always have a Minimum Guaranteed Contract Value.

Growth Potential

You can pursue additional growth with interest credits that are based in part on the performance of an external market index. Athene Performance Elite also offers powerful, “hands-free” indexed crediting options with the Strategy Preset option.

A Premium Bonus

Performance Elite annuities include a bonus that's applied to the money you use to purchase your annuity.

Protection

There is no direct downside market risk to your money.

Tax Deferral

Annuities provide the advantage of tax-deferred interest accumulation. You don’t pay taxes on any growth until you withdraw money.

Income

At the annuity's maturity date, you have options to create a regular stream of income - either for a certain period of time or for the rest of your life.

A Death Benefit

Your annuity can offer your loved ones a quick source of funds to settle matters after your death.

Long-term care isn't just a consideration; it's a fundamental aspect of comprehensive financial planning. As we navigate life's journey, unforeseen health challenges can arise.

Having a well-structured long-term care plan in place ensures that you're prepared for any eventuality, safeguarding your savings and providing the care you deserve.

At Wealth for Life, we emphasize the significance of long-term care as a crucial component of your overall financial strategy. Let us guide you in securing your future and protecting your quality of life through effective long-term care planning.

Investing in your child's education today is an investment in their future success. College plans go beyond financial security; they offer peace of mind for both you and your loved ones.

By starting a savings account that compounds interest over time, you're setting the stage for a debt-free college experience. Imagine the freedom of focusing solely on studies, not student debt.

At Wealth for Life, we understand the significance of these early investments. Our tailored college plans ensure that your child's educational dreams are within reach, without jeopardizing potential financial aid.

Plus, these accounts are versatile – they can fund not just college, but entrepreneurial dreams and homeownership too. Secure your loved ones' path to success with our dedicated college planning expertise.

For business owners, planning for the future goes beyond the day-to-day operations. Executive bonus plans are a strategic key to securing your financial journey.

These plans empower you to create a robust exit strategy or build a well-funded retirement, all while leveraging the tax advantages of deducting expenses when filing taxes.

Imagine directing funds towards your long-term goals while minimizing your tax burden.

At Wealth for Life, we specialize in tailoring executive bonus plans that offer both financial security and tax benefits, ensuring your business success extends far into your well-deserved future.

Protecting your hard-earned money from market losses is paramount.

At Wealth for Life, we recognize this concern, and we're here to offer a solution.

Imagine placing your funds in an account that guarantees they will never decrease, all without penalties when you need to access them. 

With our expertise, you can enjoy the confidence of a secure financial future, knowing that your investments remain shielded from market turbulence. Let us guide you towards financial stability today.

Legacy planning isn't just about passing on assets; it's about passing on your values, dreams, and a lasting impact. It's the opportunity to shape the future for generations to come.

At Wealth for Life, we understand the significance of preserving your legacy.

Our tailored legacy planning services ensure that your hard-earned wealth is distributed according to your wishes while minimizing potential complexities and tax implications.

Secure your family's future and leave a meaningful mark on the world with our dedicated legacy planning expertise.

Safeguarding your legacy is a crucial step in securing your family's future. Crafting a will and establishing a living trust ensures that your hard-earned assets are protected and distributed according to your wishes.

At Wealth for Life, we understand the importance of these decisions and are here to guide you through the process.

With a will and living trust in place, you can have peace of mind knowing that your loved ones are taken care of and your legacy is preserved. Start planning for tomorrow, today.