Grow Wealth Tax-Free.
Retire Without Limits.
An IUL gives you market-linked growth, a 0% floor so you never lose principal, tax-free retirement income, and 18 living benefits — all in one policy. It’s what a 401K should have been.
More Than Life Insurance. It’s a Complete Financial Strategy.
An Indexed Universal Life (IUL) policy is a permanent life insurance product with a powerful twist: its cash value grows linked to a stock market index — giving you real upside potential — while a built-in 0% floor means you never lose a dollar when the market drops.
Unlike a 401K or IRA, the money you accumulate inside an IUL grows completely tax-free and can be accessed at any age through tax-free policy loans — no penalties, no required minimum distributions, no tax bill.
Market-Linked Growth
Cash value tracks a market index (like the S&P 500) for competitive returns in good years.
Zero Downside Risk
A 0% floor guarantees you never lose cash value when markets fall. You get gains, not losses.
Tax-Free Retirement Income
Access your cash value as tax-free loans in retirement — no taxes, no RMDs, no age restrictions.
IUL vs. 401K — The Real Comparison
Most people have never seen this comparison. Once you do, the choice becomes clear.
| ✦ IUL Policy | 401K / 403B | |
|---|---|---|
| Tax on withdrawals in retirement | ✓ Tax-Free | ✗ Fully Taxed |
| Market loss protection | ✓ 0% Floor | ✗ Full exposure |
| Required Minimum Distributions (RMDs) | ✓ None | ✗ Age 73+ |
| Access before age 59½ | ✓ Any age | ✗ 10% penalty |
| Annual contribution limits | ✓ None | ✗ $23,000/yr |
| Death benefit for family | ✓ Included | ✗ None |
| Living benefits (illness, disability) | ✓ 18 included | ✗ None |
| Creditor protection (varies by state) | ✓ Protected | ✗ At risk |
| Employer match available | Depends on plan | ✓ Often available |
18 Living Benefits — Use It While You’re Alive
Most people think life insurance only pays out when you die. An IUL pays you while you’re still living.
This IUL includes 18 living benefit riders — meaning you can access a portion of your death benefit while you’re still alive if you experience a qualifying event. Most life insurance products offer zero. This is what makes the IUL truly unique.
Terminal Illness
Access funds if diagnosed with a terminal illness
Chronic Illness
Benefits triggered by inability to perform daily activities
Critical Illness
Heart attack, stroke, cancer, and more
Long-Term Care
Covers nursing home and in-home care costs
Disability Income
Monthly income replacement if you can’t work
Waiver of Premium
Policy stays in force if you become disabled
+ 12 additional living benefit riders included. Ask Bruce for the full list.
From Application to Approved in Days.
Non-med IUL approval is faster than you think. Here’s what the process looks like.
Free Illustration
Bruce runs a personalized IUL illustration showing your projected cash value, retirement income, and death benefit — side-by-side with your current 401K.
Phone Application
100% of applications are taken over the phone. No medical exam required up to $2M. The entire process is handled for you — paperwork included.
Approved & Active
Most non-med IUL policies are approved in 1–5 business days. Your policy is active, your cash value begins building, and your family is protected.
Is an IUL Right for You?
An IUL works best for people who want tax-free growth, flexibility, and protection — all in one place.
Individuals
Anyone looking to build tax-free wealth outside of a 401K with no contribution limits, no RMDs, and the ability to access funds at any age.
Business Owners
Offer Group IUL as a $0-cost employee benefit that replaces or supplements a 401K — attracting top talent while lowering your payroll taxes.
Families
Parents who want to protect their family with a death benefit while simultaneously building a tax-free nest egg for retirement or college funding.
Pre-Retirees
Anyone within 10–20 years of retirement who wants to diversify away from a fully taxable 401K and start building a tax-free income stream.
The Nation’s Most Powerful Group IUL System.
Through my partnership with My American Prosperity, I have access to the only Group IUL selling system on the market — the most sophisticated IUL training, software, and carrier relationships available to independent agents.
This means I can offer your business the ability to enroll 2–10,000 employees in an IUL at a time, using a proven process with an 80–90% close ratio. Presentations, applications, and enrollments are handled for you.
Close ratio on IUL presentations
Employees enrollable at one time
Cost to employer (Section 125)
FIA carriers available
Find Out Exactly What Your IUL Could Look Like.
Every IUL illustration is personalized — your age, your premium, your retirement goals. There’s no generic answer. The only way to know what’s possible is to see your own illustration. It’s free, and it takes about 15 minutes.
Request My Free IUL IllustrationIUL Frequently Asked Questions
Plain-English answers to the questions I hear most from new clients.
Get Your Free, Personalized IUL Illustration.
No obligation. No pressure. Just a clear, honest look at what an IUL could do for your retirement — compared side-by-side with your current strategy.
Request Your Free IUL Illustration
Bruce will personally prepare a side-by-side comparison within one business day.
🔒 Completely confidential. Your information is never sold or shared.