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At it's core, an IUL policy is a type of permanent life insurance contract that offers both a death benefit and a cash value component. Its unique feature is that the cash value's growth is tied to a market index, like the S&P 500 or the Barclays, allowing for potential market-linked gains while also providing protection against market downturns. This means you can not lose your money.
An IUL could be used as a financial tool as well which allows you to save and grow your money, protect your family legacy, and plan for retirement with huge tax advantages.
Keep reading below as we continue to explain why everyone who qualifies should apply for an IUL policy.
Are you really going to convince yourself that earning 0.5% or even 1% on your money collecting dust in a bank savings account is going to secure your retirement the way you really want? You could do a five to ten year CD at 5%-6%. The issue here is your money is tied up for five to ten years and the interest is taxable. Not what we want for our clients.
Knowing that your bank or investment firm is using YOUR MONEY to leverage YOUR FUNDS into much higher-returning investments, plus loaning out SBA loans and mortgages to make much higher interest returns, and then saying to you "Thank you for letting us use your money to make even more profit, here's 0.5%-1%, even though that's not even close to covering the current high inflation rate of 4% plus! We are told it's 4% but every time you make a purchase for items you need, it feels like a much greater number."
Another example: If you're a small business owner, C-Level exec, medical professional, real estate investor, realtor, plumber, electrician, etc. and you don't have this plan setup, you are unintentionally MISSING OUT on one of the greatest and safest vehicles to grow your wealth. Your wealth will grow TAX-FREE and create massive LEVERAGE to generate "FREE MONEY" you can use to invest into other opportunities as you expand future business. Not to mention the permanent life protection put in place immediately for your family and multiple Living Benefits that will be in place for you the first day you are approved.
YOU DON'T PAY TAXES ON GROWTH OR PRINCIPLE. EVER!
This is 100% legal if your account is set up correctly, and structured according to the current IRS tax code.
Yes! Here is how you will know this is all true and you will become totally confident in this process. After we get you approved for an account like the SRIG Self-Funded Banking System (IUL), you will be given a document that's provided to you directly from the financial institution. This document is a binding contract between you and the institution stating all of the guarantees and details that you would be able to read, agree to, and sign. You will have a legal binding contract stating everything you will receive within the contract and all of the protections built into the contract for you and your family.
This unique strategy has been around and available for over 30+ years but only utilized by wealthiest 10% of individuals. This small group discovered these large banks and other organizations who have been using this same system to accelerate their wealth in their own families and life circles for years.
You may not be at their level of wealth today, but what if you can get a tiny, micro fraction of how they grew their wealth, tax-free, for the past 30+ years? The world education system does a really bad job at educating individuals on proper financial management. That said, nothing happens by chance. You are here reading this site for a reason.
The only question is... Do you qualify?
Reason 1: Most financial advisors don’t know that an account like this exists. Nor, do they know how to set it up to be legally tax-free for the account holder.
Reason 2: Most financial advisors recommend financial vehicles that the company they've contracted with tells them to recommend.
Reason 3: They don’t want to take a pay cut! In IRAs and 401Ks, advisors charge fees and commissions on the deferred tax liability, which drives up your investing cost.
In today's intricate financial landscape, every American deserves the opportunity to experience the peace of mind that comes with true financial freedom. We are here to create that reality for you. With a rich tapestry of expertise and dedication, our firm specializes in crafting personalized strategies that set our clients free from financial constraints.
I have not had a great track record with my savings and retirement over the years. I was looking for a different way to grow and protect my wealth. I saw a post on Facebook about the SRIG Self Funded Banking System. I ended up booking a meeting with Scott Tansill. He put a plan in place using the IUL strategy that will allow me to recoup the money I have lost over the years and make sure I will be able to retire and live the lifestyle I deserve. I really appreciate everything that this company has done for my family.
D Ballantine
I heard about IULs in the past but never actually spoke with anyone about my options. I was googling it one day and came across the Sterling River firm. They were patient with me and spent as much time as I needed to make sure I was in the best plan to reach my goals. They even helped me set my kids up with a college fund IUL. That was really helpful and will really be a blessing in a few years. Everyone should have an IUL and this team is amazing to work with. I worked directly with Scott Tansill but his entire team is amazing.
L Handler
Very happy with my experience with Sterling River Insurance. Great job at educating me on my options. I never looked at taxes in retirement the way I do now. I wish I had found you guys twenty years ago. I am really happy to be on the right path now.
B Thompson
I have known Scott for a long time. Almost fifteen years now. He has helped me so much over the years. I am always amazed at the tools he and his team are able to put in place for me and my family. The IUL is a total game-changer for my family. We have four IUL policies now and all are performing really well. I am excited about the future.
D Applegate
Absolutely not! We have created plans for individuals that only have $50 per month to contribute. No matter what your budget is we can help you.
That is for you to decide. However, we always recommend a person to diversify their investments. The IUL is a guaranteed no-loss contract that everyone should have in their portfolio if they can afford it. When it comes to savings and retirement, it is always good to have multiple strategies in place and add the IUL or multiple family IULs to your overall plan.
Yes, It is. This type of policy guarantees you not to lose money in the market. Some of the carriers we work with even promise a gain of 0.5%-1% gain even in the years the market is negative.
This is a great question. The carrier is only concerned with the paying of the cost of insurance in the policy/IUL. For example, let's say you start a policy at $400 per month, something happens and you no longer can afford $400 per month in a payment. The cost of insurance in the policy may only be $50.00 per month. That means as long as you cover the $50.00 per month, your policy will stay active and when things go back to normal you can go back to the investment amount you feel comfortable with. The IUL is a very flexible product in situations like this.
It is easier and much quicker than most assume.
1.) The first thing is to schedule a discovery call with Scott Tansill who is the Senior Advisor and founding member of SRIG. On this call, Scott will ask you about your current financial situation and current health. Scott will also want to fully understand what you want to accomplish financially in your short-term and long-term goals. Scott will be able to pre-qualify you for the IUL to ensure the product is the best fit for what you are looking to accomplish.
2.) After your initial call, the SRIG team will have everything we need to design the best plan available with the IUL product and carrier that will best fit your current situation. We will then take some time to build a custom plan for you and your family. Scott will schedule a Zoom meeting with you to go over the plan in detail making sure it is exactly what you want and that it meets your immediate and long-term needs.
3.) During the Zoom meeting, if you like what you see, Scott will complete the IUL application with you in the meeting. Once the application is complete, it will go into underwriting and this part of the process will usually be completed in about 5-10 business days. When the first premium is drafted, the policy will be issued and the journey will begin. You and your family will officially be part of the SRIG family. Our team will be available to you 24/7 as you will have a direct line to Scott Tansill. You will also be set up for annual reviews of your IUL policy to ensure the performance is exactly what you want and to make any adjustments necessary for optimal performance.
You can cancel your IUL at any point. With that said, we would never recommend that you do so. There are so many other options available to you in the IUL flexibility and we would suggest that you reach out to Scott Tansill directly to discuss options available in the policy in place of canceling the policy.
Speak with a SRIG Professional to find out if the IUL strategy is best for you.
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