What Is an IUL?

Discover the Tax-Free Retirement Strategy That 99% of Americans Are Still in the Dark About

An IUL (Indexed Universal Life policy) is one of the most powerful financial tools available today — yet almost no one is talking about it.

It’s not a savings account. It’s not an IRA. And it’s definitely not your typical 401(k).

So why haven’t you heard about it before?

And Why Hasn’t My Financial Advisor Told Me About This?

Reason 1: Most advisors don’t even know how IULs work — and fewer know how to structure them properly to be legally tax-free.

Reason 2: Advisors usually recommend what their firm tells them to, not necessarily what’s best for you.

Reason 3:  IULs don’t pay them the same fat commissions — and they can’t charge ongoing fees like they do with 401(k)s and IRAs.

The Problem With Traditional Retirement Plans

With a 401(k) or IRA, you get:

  • Taxed later — when rates might be higher

  • Penalties for early access

  • Annual contribution limits

  • Market risk

  • IRS reporting on every dollar

And all of that is baked into a system you can’t control.

Curious if this could work for you?

🔒 What Makes an IUL Different?

A properly designed IUL (what we call a compound interest account) flips the script:

  • No taxes on your growth or withdrawals — ever

  • Guaranteed never to lose value from a market crash

  • Tax-free growth with average returns between 5–7%

  • Liquidity — take money out anytime, for anything, without penalty

  • No IRS reporting on income or withdrawals

💡 Real People, Real Stories

  • Walt Disney used his IUL to fund Disneyland when banks wouldn’t help

  • John F. Kennedy, FDR, McCain — all had IULs

  • Joe Biden? He has six

  • Banks like Wells Fargo and JPMorgan hold billions in IULs — more than they hold in real estate

This isn’t theory. This is how the wealthy play the game.

Is It Too Good to Be True?

Not at all.

This strategy has existed for over 100 years, but it’s rarely explained clearly — and almost never offered to everyday people.

The truth?

Less than 0.07% of Americans have one.

Meanwhile, over half the population is locked into taxable, limited, market-exposed retirement accounts.

You’re ahead of 99.9% of Americans just by reading this far.

But information alone won’t change your retirement.

This strategy is powerful — but only if it’s built the right way, for the right person.

So let’s find out if that person is you.

Book a 10 minute IUL Introduction Call with an IUL Advisor to find out if an IUL could be a fit.