Life Insurance Safeguarding Loved Ones and Securing Future Plans
Life insurance is more than protection, it’s one of the most powerful financial tools you can own.
It provides immediate financial security for your loved ones in the event of an unexpected loss, helping cover essential expenses, eliminate outstanding obligations, and preserve the future you’ve worked hard to build.
But beyond protection, life insurance plays a critical role in retirement planning. It can create tax-efficient growth, provide liquidity when you need it most, offer living benefits such as long-term care support, and even generate guaranteed income you can’t outlive.
Index Universal Life Insurance (IUL) Allows You To Capture Market Gains While A Structural Floor Blocks All Market Losses.
VALUE POINTS
Flexible Premiums
Flexible Funding: Adjust payments to fit life changes or increase contributions when you're ready.
Downside Protection
Guaranteed Floor: Your accumulated cash value is protected from market downturn via a locked floor. (Typically 0%-3%).
Tax-Advantaged Growth
Tax-Advantaged Growth with typical tax free gains of 8-12% based on indexing strategy.
Living Benefits
Living benefits are provided for terminal, chronic, and critical illness or injury while living.
Lifetime Income Benefit
A lifetime income benefit to supplement retirement income as a guaranteed stream of income for life.
As featured in
Frequently Asked Question
Is my money in the stock market?
No. Your cash value is linked to the performance of a market index (like the S&P 500), but you are not directly invested in the market. This mechanism provides the upside potential without the downside risk.
What happens if the index drops?
Nothing. If the index has a negative year, the IUL’s guaranteed floor ensures your accumulated cash value simply stays at its current level. You participate in the market without the fear of loss.
How are premiums set?
Premiums are flexible. We calculate the minimum required to maintain the death benefit and the maximum allowed to optimize tax-advantaged cash growth. We custom-tailor the funding to your goals.
Is IUL right for me if I have kids, mortgage, or estate goals?
Yes. The IUL serves multiple purposes: it provides a tax-free death benefit for family protection, tax-advantaged growth for retirement, and liquidity for legacy planning.
What are the risks of an IUL?
The primary risks are the cost of insurance (which increases with age) and the potential for a policy to lapse if underfunded. Our strategic planning prevents underfunding.
Can I open an IUL for my child?
Yes, you can open an IUL for your kids and in fact this is a popular option by many since it can help give your child a major advantage financially.
How IUL Funding Can Grow Over Time
(Conservative Plan | Illustrations Only)
42 year old male putting $1000 a month in a max funded IUL until age 65. Taking annual Tax Free Retirement Income at 65.
10 year old female putting $300 a month in a max funded IUL until age 64. Taking annual Tax Free Retirement Income at 64.
Fund $2,000 yearly until 21, then $400/month to age 40, with tax-free retirement income starting at 65.
Indexed Life Insurance
Index universal life (IUL) insurance is a type of permanent life insurance with a cash value component that grows based on the performance of a stock market index, like the S&P 500. Unlike direct market investments, your money is not invested in the stock market itself, but it has the potential for tax-deferred growth based on the index's performance, with a floor that protects against losses.
Our Team
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Assistance Hours
Mon – Sat 9:00am – 8:00pm
Sunday – CLOSED
Phone Number:
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Client’s Give Us Many
Reviews For Us.
jane Doe / Designer
Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.
John Doe / Designer
Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.
Ready to See If IUL Fits Your Goals?
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Rating: 4.8
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Helped 800+ Clients
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20 Years of Experience
Testimonials
Exceptional communication with my broker. Sasoon took the time to listen and provide very informative directions for my needs.
I started out with a different company which started a policy for me but was very unhappy with the structure of the policy. I met with my Lenhoff Financial broker and found him to be very transparent, knowledgeable, and educational.
My agent was such a huge help and just an overall down-to-earth person, very informative. Thank you for your exceptional sevice.
IUL: The Most Valuable Asset in Your Financial Life.
Don’t plan your family’s retirement without an Indexed Universal Life policy as the bedrock of your strategy. It’s time to act now.
9171 Wilshire Blvd Suite 500 Beverly Hills, CA 90210
