Safety
Freedom
Flexibility
Performance
SAFETY
-
Guaranteed Minimum Growth (Low Downside Risk)
-
Secure Death Benefit for Your Loved Ones
-
Free from External Disrupters
-
IRS Approved
FREEDOM
-
Tax-Free Access to Cash Account (e.g., 1. Funding for Lifestyle, a priority for young adults; 2. Offset out-of-pocket costs associated with medical events; 3. College Funding; 4. Retirement; 4. Community Assistance; 5. Start a business)
-
No Restriction on Usage of Cash Loans
-
Loans Repayment Not Required
-
Tax Diversification to Maximize Retirement Net Income
-
Pension Maximizer (e.g., 1. Extend pension benefits for your family)
-
No pre-59 1/2 Distribution Penalty
-
No RMD (Required Minimum Distributions) requirement
-
Cash Cushion for Medical Expenses
-
Flexible Long-Term Care Cash Support for Chronic Illness, Critical Illness, or Terminal Illness (e.g., 1. Offset out-of-pocket costs associated with critical and chronic medical events; 2. Create a unique care program for parents that protects children's assets)
-
Not Included as Income for Computing Social Security
-
No Loan Repayment Requirement
PERFORMANCE
-
Cash Account with Tax-Deferred Growth
-
High Upside Growth Potential
-
Guaranteed Minimum Growth (Minimal Downside Risk)
-
Tax Diversification to Maximize Retirement Net Income
-
Secure tax-free Death Benefit for Your Loved Ones
-
Tax-free Loans with No Repayment Required
-
Net Zero Interest Loans After 10 Years (Varies by Carrier)
FLEXIBILITY
-
Premiums Tailored and Controlled by Insured
-
Tax-Free Access to Cash Account
-
Tax Diversification to Maximize Retirement Net Income
-
Funding for Critical, Chronic, or Terminal Illnesses
-
No Contribution Limits Based on Income
-
Considered an asset for banking purposes
Young Adults First Choice
THE SECRET
COMPOUND INTEREST THAT GROWS BASED ON STOCK MARKET
PERFORMANCE WITHOUT THE FEAR OF FINANCIAL LOSSES!
Use the MARKET WITHOUT BEING in the MARKET!
EXAMPLE:
Sevings account A and savings account B each have $100,000 cash balance in January 1996.
Account A earns interest based on the performance of the S&P 500 stock market index, both gains and losses. If the index exceeds 0%, the interest credited to the account balance is the growth of the index. If the index is less than 0%, the account is adjusted by the negative interest and the principle balance changes accordingly.
Account B earns interest based on the performance of the S&P 500 stock market index also but has a floor. If the index exceeds 3%, the interest credited to the account balance is the growth of the index less 3%. If the index is 3% or less, the account balance receives no interest and the principle balance does NOT change.
Using this example over the period 1996 through 2016, Account A would end the period wilh a gross principle balance of $304,567. Over the same period, Account B would have a gross principle balance of $551, 921.
21st CENTURY INNOVATION
INDEXED UNIVERSAL LIFE INSURANCE (IUL)
THE NEW STANDARD IN WEALTH ACCUMULATION AND PROTECTION
IUL - Indexed Universal Life Insurance
Alliance Group
IT JUST KEEPS GETTING BETTER!
Leading Carriers Have New and Improved Performance Options that Opens the Maximum CAP on Accrued Compounded Interest to Unlimited Growth.
Frequently Asked Questions
How does IUL compare to a normal investment savings plans (e.g., 401K, Roth IRA, 403b -457 plans, pensions, or mutual funds) in terms of performance, flexibility, taxes, & risks? The answer will likely surprise you!
What appears on the surface to make sense in these normal investment portfolios may actually degrade your ability to achieve your goals - You will most likely have a higher probability of OUTLIVING your available money!
What If I have already have some of these plans in-place? Sterling Secure's Strategic Life Planning will help you to align all of your assets that works best for your short-term and long-term needs and goals.
Contact Sterling to get the amazing details!
612-819-2460
Performance - Flexibility
Safety - Freedom
The 21st Century IUL also Provides a Flexible Multi-Purpose Tool for Businesses to Fund Buy-Sell Equity Transfers and Key Person Strategies.
The New Standard in Wealth Accumulation and Protection
Safety
Freedom
Flexibility
Performance
SAFETY
-
Guaranteed Minimum Growth (Low Downside Risk)
-
Secure Death Benefit for Your Loved Ones
-
Free from External Disrupters
-
IRS Approved
FREEDOM
-
Tax-Free Access to Cash Account (e.g., 1. Funding for Lifestyle, a priority for young adults; 2. Offset out-of-pocket costs associated with medical events; 3. College Funding; 4. Retirement; 4. Community Assistance; 5. Start a business)
-
No Restriction on Usage of Cash Loans
-
Loans Repayment Not Required
-
Tax Diversification to Maximize Retirement Net Income
-
Pension Maximizer (e.g., 1. Extend pension benefits for your family)
-
No pre-59 1/2 Distribution Penalty
-
No RMD (Required Minimum Distributions) requirement
-
Cash Cushion for Medical Expenses
-
Flexible Long-Term Care Cash Support for Chronic Illness, Critical Illness, or Terminal Illness (e.g., 1. Offset out-of-pocket costs associated with critical and chronic medical events; 2. Create a unique care program for parents that protects children's assets)
-
Not Included as Income for Computing Social Security
-
No Loan Repayment Requirement
PERFORMANCE
-
Cash Account with Tax-Deferred Growth
-
High Upside Growth Potential
-
Guaranteed Minimum Growth (Minimal Downside Risk)
-
Tax Diversification to Maximize Retirement Net Income
-
Secure tax-free Death Benefit for Your Loved Ones
-
Tax-free Loans with No Repayment Required
-
Net Zero Interest Loans After 10 Years (Varies by Carrier)
FLEXIBILITY
-
Premiums Tailored and Controlled by Insured
-
Tax-Free Access to Cash Account
-
Tax Diversification to Maximize Retirement Net Income
-
Funding for Critical, Chronic, or Terminal Illnesses
-
No Contribution Limits Based on Income
-
Considered an asset for banking purposes
Young Adults First Choice
21st Century Cash Management Strategy
Protected Equity &
Guaranteed Growth
FINANCIAL FREEDOM ON MY TERMS
THE SECRET
COMPOUND INTEREST THAT GROWS BASED ON STOCK MARKET
PERFORMANCE WITHOUT THE FEAR OF FINANCIAL LOSSES!
Use the MARKET WITHOUT BEING in the MARKET!
EXAMPLE:
Sevings account A and savings account B each have $100,000 cash balance in January 1996.
Account A earns interest based on the performance of the S&P 500 stock market index, both gains and losses. If the index exceeds 0%, the interest credited to the account balance is the growth of the index. If the index is less than 0%, the account is adjusted by the negative interest and the principle balance changes accordingly.
Account B earns interest based on the performance of the S&P 500 stock market index also but has a floor. If the index exceeds 3%, the interest credited to the account balance is the growth of the index less 3%. If the index is 3% or less, the account balance receives no interest and the principle balance does NOT change.
Using this example over the period 1996 through 2016, Account A would end the period wilh a gross principle balance of $304,567. Over the same period, Account B would have a gross principle balance of $551, 921.
21st CENTURY INNOVATION
INDEXED UNIVERSAL LIFE INSURANCE (IUL)
THE NEW STANDARD IN WEALTH ACCUMULATION AND PROTECTION
IUL - Indexed Universal Life Insurance
Alliance Group
IT JUST KEEPS GETTING BETTER!
Leading Carriers Have New and Improved Performance Options that Provides more Utility and Opens the Maximum CAP on Accrued Compounded Interest to Unlimited Growth.
Frequently Asked Questions
How does IUL compare to a normal investment savings plans (e.g., 401K, Roth IRA, 403b -457 plans, pensions, or mutual funds) in terms of performance, flexibility, taxes, & risks? The answer will likely surprise you!
What appears on the surface to make sense in these normal investment portfolios may actually degrade your ability to achieve your goals - You will most likely have a higher probability of OUTLIVING your available money!
What If I have already have some of these plans in-place? Sterling Secure's Strategic Life Planning will help you to align all of your assets that works best for your short-term and long-term needs and goals.
Contact Sterling to get the amazing details!
612-819-2460
Performance - Flexibility
Safety - Freedom
612-819-2460
The 21st Century IUL also Provides a Flexible Multi-Purpose Tool for Businesses to Fund Buy-Sell Equity Transfers and Key Person Strategies.
612-819-2460
Protecting Your Todays,
Creating & Preserving Your Tomorrows.
Sterling - Accelerating Results!