Important Information
The concepts and strategies described on this website involve the use of permanent life insurance policies—specifically those with indexed crediting features, such as Indexed Universal Life (IUL) insurance. These policies are not direct investments in the stock market. Policy values are subject to the crediting methods, caps, participation rates, and spreads declared by the issuing insurance company.
While indexed life insurance policies generally provide a 0% floor to protect against negative index returns, they are not risk-free. Policy charges, cost of insurance, and administrative fees may reduce the policy’s cash value, and insufficient premium payments or poor policy performance can cause the policy to lapse, potentially resulting in loss of coverage and benefits.
To maintain the intended policy benefits, all required premiums must be paid on time and the policy must remain in force. If a policy lapses, is surrendered, or if withdrawals or loans exceed the available cash value, the tax advantages may be lost, and income taxes or early-withdrawal penalties could apply.
Policy loans and withdrawals will reduce both the cash value and the death benefit and may cause the policy to lapse if not properly managed. Withdrawals up to the cost basis are generally received income-tax-free; however, loans or withdrawals from a Modified Endowment Contract (MEC) may be taxable and, if taken before age 59½, may also be subject to a 10% federal tax penalty.
Tax treatment of life insurance is based on current federal tax law, which may change in the future. Neither this website nor its representatives provide tax, legal, or investment advice. You should consult your qualified tax professional, attorney, or financial advisor regarding your specific situation.
Product features, benefits, and availability vary by insurance carrier and by state. All guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Any references to hypothetical or projected performance are for illustrative purposes only and do not represent actual or guaranteed results.
All information on this website is intended for general educational purposes only. Nothing contained herein shall be interpreted as a solicitation to buy or sell securities, registered investment advisory products, or any insurance product. The term “My New Retirement” is a conceptual framework and does not endorse any particular product, carrier, or financial strategy. The concepts discussed may not be appropriate or optimal for all individuals.
Projections or scenarios described on this website are hypothetical and based on assumptions that may not reflect actual market conditions, policy performance, or future outcomes. Use of different assumptions could produce materially different results.
Before implementing any financial or insurance strategy, carefully review all policy illustrations, disclosures, and carrier documentation to fully understand the associated costs, risks, and potential outcomes.