“IUL Insurance plans are a great way to secure your financial future and minimize your tax burden. Mario & Norma at Maximum Asset Protection provide exceptional service. They will help simplify the complicated options and tailor a plan specifically for you and your family.”
David Irish
Arizona Benefits Advisors
Preserve Your Legacy:
Tax-Free Wealth Transfer
Harness the Power of Indexed Universal Life Insurance (IUL)
IUL combines the growth potential of market-linked returns with the security of tax-advantaged strategies. This innovative financial tool adapts to your changing needs, providing flexibility and stability for your future.
Discover how IUL can help you protect your loved ones, grow your wealth, and secure your financial legacy.
It's a smarter way to navigate life's uncertainties and unlock the full potential of your financial plan.
The Smart Choice for Your Financial Future
If you value financial security, flexibility, and leaving a lasting legacy for your loved ones, Universal Life Insurance might be the right solution for you. Consider this option if:
You appreciate conservative, safe investment opportunities
You want to grow your wealth steadily through compound interest while minimizing losses
You prefer to keep your assets in tax-efficient vehicles
You prioritize access to cash when you need it
You're looking for a comprehensive solution that can also address long-term care needs
Checkout These 3 Scenarios:
Discover the Secret Financial Tool Wealthy
Parents & Grandparents Use to Secure Their Family's Future
Example Scenario:
Grandparent or Parent
9 Year Old Female Child
Tailored Element: Empower your children's financial future while maintaining control. Gift them a versatile tool that leverages the power of compound interest and market-linked growth, all while minimizing tax liabilities and avoiding market volatility. This conservative strategy puts you in the driver's seat, ensuring your legacy is passed on effectively and efficiently.
Estimates on hitting $1 Million in Cash Value :
$1 Million by 72 for $100/mo
$1 Million by 62 for $200/mo
$1 Million by 56 for $300/mo*
From Public Service to a Prosperous Retirement:
The Smart Strategy for Government Workers
Example Scenario:
Municipal Police Officer
43 Year Old Male
Tailored Element: Elevate your retirement income with a powerful cash management tool designed for tax efficiency. Complement your pension plan with a non-taxable income stream that provides access to your money without penalties or future tax burdens. Take control of your financial future and enjoy the flexibility and security you deserve.
Estimated Payout:
$500/mo from 43-65 earns $500,000 by Age 81
- access to cash the entire way.
$1,000/mo from 43-65 earns $500,000 by Age 67
- access to cash the entire way.
$2,000/mo from 43-65 earns $69,719 Per Year from 65-85 (Bonus: Non-Reportable income)
Logic for City or Government Employees: Taxation diversification strategy. By bringing a "Non-Reportable" income stream to the portfolio, you give yourself a non-taxable bucket to pull from. All future pensions and Deferred Compensation, IRA's, 401k plans will be subject to income tax rates of the future. Can you predict what rates will be in 20 years? If no, why are you putting all of you money is future taxation buckets?
*All numbers are based on an average 6% Rate of Return
The Entrepreneur's Secret Weapon: Harnessing the Flexibility of IUL for Business and Personal Financial Success
Example Scenario:
Self Employed with 2,000 Employees
50 Year Old Female
Client's request: $20 Million Death Benefit for life
See these Flexible Premium options and versatile solutions:
Scenario 1: "Slow Pay"
Minimally fund your policy with $198,681 per year
Total contribution over 50 years: $9,950,889
Locks in a $20,000,000 death benefit to age 120
Provides access to cash throughout the policy term
Scenario 2: Overfunding for 5 Years
Contribute $673,717 annually for 5 years
Total contribution: $3,385,424
Locks in a $20,000,000 death benefit to age 120
Offers lifetime coverage and cash access
Scenario 3: Max Funding
Max your funding with $1,549,334 per year for 5 years
Total contribution: $7,763,509
Enjoy tax-free growth of your cash value:
Year 10: Cash Value of $9,889,924 with a death benefit of $20,000,000*
Year 20: Cash Value of $18,907,880 with a death benefit of $26,471,032*
Year 30: Cash Value of $34,530,350 with a death benefit of $42,127,027*
Year 40: Cash Value of $60,965,427 with a death benefit of $67,671,624*
Year 71 (age 120): $334,221,000* from your initial $7,763,509 investment, with no income tax liability
The Logic Behind IUL for Business Owners: As a business owner, you understand the importance of having access to cash. However, this often means sacrificing years of compound interest and exposing yourself to various financial risks. By incorporating life insurance as a cash management tool, you can hedge your bets while enjoying the living benefits, death benefits, and tax advantages that come with permanent Life Insurance. IUL offers the flexibility you need to adapt to life's changes and protect your financial future.
*Cost of insurance and fees are included. Illustrations assume an average annual rate of return of 6.28%. Actual returns may be higher or lower. Growth is not subject to income tax but may be subject to estate taxes.
“Mario was incredibly helpful in explaining why an IUL is a great fit for me. He took time to fully explain this complicated tool to me, and also worked with my financial advisor who understands both my State retirement benefits and why an IUL is a perfect fit for my financial situation. The option to use benefits to pay for Long Term Care, should I need it, made this product an integral part of my financial plan. I highly recommend that you give Mario a call to discover whether an IUL is a tool you can use to achieve your financial goals!”
Cindy Starkey, Esq
Civil Litigator & Estate Planning Attorney
Ret. Senior Litigation Counsel with the AZ Attorney General's Office
“Mario took the time to thoroughly explain how Life Insurance could address many of my long-term concerns and be a flexible tool in my portfolio for life. I never realized how versatile IUL's were. ”
Kevin Baillie
Phoenix, AZ