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

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

Frontline Retirement Gamble-Mutual Fund Fees

BRINGING FINANCIAL BALANCE, STABILITY, AND SECURITY FOR YOUR PERSONAL LIFESTYLE

Protecting You Today

Preserving your Tomorrows!

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.

© 2016 Sterling Secure, Inc. 

Sterling Secure, Inc.

Saint Paul, Minnesota USA