Secure Your Future with an IUL Policy

Protect your financial future with IUL accounts

Grow Your Wealth Tax-Free with Indexed Universal Life (IUL) Insurance

Secure Your Retirement, Protect Your Family, and Build Wealth Safely with IUL

What is an IUL Account?

IUL (Indexed Universal Life) accounts are a financial tool that combines the benefits of life insurance with the growth of your savings, leveraging market returns without the risk of losing your money.

✔ Allocate Premiums: Your payments are allocated to an indexed account tied to a market index.

✔ Grow Tax-Free: Your cash value grows based on market performance, with no risk to your principal.

✔ Access Funds: Use your cash value for retirement, loans, or emergencies.

Risk Free, Tax Free and Insured

Your money grows at competitive rates without the risk of loss, and it's tax-free growth..

Financial Flexibility

Use your cash value for retirement, emergencies, or investments.

Family Protection

Ensure your loved ones are financially secure.

Why Choose an IUL Over a 401(k)?

IUL

Protected growth, no risk of loss

Tax-free withdrawals and earnings
Access at any time without penalties
Payments for illness, accident, or death
Flexible payments according to your situation

401(K)

Exposed to market volatility

Taxed upon withdrawing funds
Penalties for early withdrawals before retirement
No benefits in case of death or accident
Fixed and limited payments

Your trusted agent

Elke Pineda

Specializing in legacy protection, life insurance, health insurance, and retirement. I enjoy helping families find affordable protection against life's uncertainties.