Financial Moves to Make at Every Stage of Life

Indexed Universal Life (IUL) insurance isn’t just a tool for protection—it’s a flexible, tax-efficient wealth-building strategy. At Tolbert Financial Group, we help clients leverage IUL policies to maximize cash value growth, create tax-free retirement income, and access funds for opportunities without disrupting long-term financial goals.

Whether you’re planning for retirement, building a business, or seeking a supplemental source of funds, IUL strategies provide flexibility, security, and growth potential that traditional investments may not.

Cash Value Growth: Accelerate Your Financial Future

The cash value in an IUL policy grows based on market index performance, allowing you to benefit from market gains while protecting against losses.

Key strategies include:

• Strategic premium allocation: Allocate your contributions to maximize growth within the policy’s index accounts.

• Long-term compounding: Early and consistent funding accelerates cash value growth over time.

Example: Mark funds his IUL consistently from age 35. By strategically allocating premiums, his policy grows steadily, providing a substantial source of cash value by retirement.

Tip: Review your allocation annually to ensure it aligns with market trends and long-term goals.

Tax-Free Retirement Income: Supplement Your Savings

IUL provides a unique advantage for retirement planning: the ability to access cash value through tax-free loans and withdrawals. This allows you to supplement Social Security, pensions, or other retirement accounts while minimizing taxes.

Example: Karen uses her IUL to fund part of her retirement expenses tax-free, allowing her other investments to continue growing and reducing her overall tax burden.

Tip: Work with a financial advisor to structure IUL withdrawals and loans in a way that maximizes tax efficiency.

Your Own Bank: Flexibility for Life’s Opportunities

Think of your IUL policy as a personal, flexible bank. You can borrow against the accumulated cash value to fund:

• Business opportunities or expansion

• Education expenses for yourself or family

• Emergencies or large purchases

Example: John, a business owner, uses an IUL loan to cover short-term cash needs for his startup, avoiding high-interest debt and keeping his business growth on track.

Tip: Properly manage policy loans to ensure long-term growth and avoid reducing the death benefit.

Advanced Planning: Layering IUL with Other Strategies

IUL is most powerful when combined with other tax-efficient and wealth-building strategies. Integrating IUL with retirement accounts, investments, and estate planning provides:

• Enhanced growth potential

• Tax-efficient income streams

• Asset protection for heirs

Example: The Thompson family combines IUL with Roth IRA contributions and a diversified investment portfolio, creating a robust strategy for long-term wealth accumulation and legacy planning.

Tip: Regularly review your comprehensive financial plan to ensure all strategies work together effectively.

Why IUL Strategies Matter

IUL policies provide more than protection—they offer growth, flexibility, and tax advantages that can play a crucial role in retirement planning and wealth building. By strategically funding, accessing, and integrating IUL into your financial plan, you can:

• Accelerate cash value growth

• Create tax-free retirement income

• Access funds for opportunities without high-interest debt

• Protect and grow wealth for future generations

Take Action Today

Unlock the full potential of your IUL policy. Schedule a consultation with Tolbert Financial Group to design a customized strategy that grows your wealth, provides flexibility, and supports your long-term financial goals.