For families thinking ahead, one of the biggest financial concerns is how to pass on wealth efficiently—and without burdening heirs with heavy taxes. Legacy planning is about more than wills and trusts. It’s about creating a strategy that ensures your loved ones receive the maximum benefit from what you’ve built. One powerful, yet often overlooked, tool for this purpose is Indexed Universal Life insurance (IUL).
Paying for college is one of the biggest financial challenges families face today. As tuition costs continue to rise, parents are looking for strategies that not only grow savings but also preserve their child’s eligibility for financial aid. One increasingly popular option is using Indexed Universal Life (IUL) insurance as a college savings strategy—a method that offers tax advantages and avoids pitfalls associated with more traditional plans.
n today’s unpredictable financial landscape, market volatility has become a constant concern for investors. Whether you’re saving for retirement, your child’s education, or building long-term wealth, sudden market downturns can derail your plans and cause substantial losses. That’s why many individuals are looking for safer financial tools that still offer growth potential. One such tool is an Indexed Universal Life (IUL) insurance policy.
Cash value life insurance is a type of permanent life insurance that provides both a death benefit and a savings or investment component. Unlike term life insurance, which only provides a death benefit for a specified period, cash value life insurance covers the policyholder for their entire life and offers a savings element that grows over time on a tax-deferred basis.
Finanza Consulting
Finanza Consulting