INDEX UNIVERSAL LIFE

---

Open an IUL early and give your child a financial head start that grows with them. This strategy provides:

• Start Saving Early: Build a strong foundation from the beginning.
• Tax-Free Growth: Accumulate cash value with tax advantages.
• Market Protection: Grow savings without the risk of market loss.
• Flexible Use: Access funds for education, a first car, hobbies, or future goals.
• Sustained Growth: Your policy continues to grow in value over time—even when you're using the funds.
• FAFSA Advantage: When used for education, IUL cash value is not counted against FAFSA eligibility—unlike traditional 529 plans.

Help young adults make confident financial decisions as they step into adulthood with their IUL. This flexible policy supports major life goals:

• Education: Cover costs for college or professional development.
• First Home: Use the IUL to help with a down payment or mortgage support.
• Entrepreneurship: Tap into the policy for funds to launch or grow a business.
• Family Planning: Access funds to manage the costs of starting and growing a family.
• Travel: Enjoy life experiences with financial flexibility.
• Build a Legacy: Create long-term security and generational wealth.

Protect and grow your business with tailored financial solutions designed to ensure stability, continuity, and long-term success. Whether you're building out your team or protecting the foundation you've already built, we offer strategic planning to help you prepare for the unexpected and support your most valuable assets—your people.

• Key Person Insurance: Protect your business from the financial impact of losing a key team member.
• Executive Bonus Plan: Reward and retain top executives with tax-advantaged benefits.
• Buy-Sell Agreements: Ensure smooth ownership transitions and business continuity.
• Employee Benefit Plans: Attract and retain top talent with robust benefits packages.

Maximize your golden years with the power of your IUL. In this final stage, your policy becomes a reliable source of financial support that continues to grow—even in retirement. Whether you need supplemental income, want to cover healthcare expenses, or leave a legacy, your IUL is there to help.

• Tax-Free Retirement Income: Access the cash value in your IUL as a stream of tax-free income.
• Market Protection: Your retirement savings stay shielded from market downturns.
• Ongoing Growth: Even while drawing income, your policy continues to grow.
• Retire in Peace: Enjoy your retirement your way—travel, relax, and live stress-free with support from your IUL.
• Legacy Planning: Leave a lasting gift to your loved ones, tax-free.