MAX CASH Funded IULs explained in plain English by a licensed agent. No pressure, and no cost to talk.
Here's how the three most common ones compare, so you can see what an annuity does and what it costs you.
401(k), IRA or brokerage invested in stocks and funds
Savings accounts and CDs
A contract with an insurance company
The one we focus on. It fits some people well and others not at all.
Indexed universal life insurance set up to hold as much cash value as tax rules allow, with the smallest death benefit those rules permit. Interest is credited based on an index, with a floor so a down year credits zero. Policy charges still come out every month, and you can borrow against the cash value later.
One conversation to start. You decide what happens after that.
Book a call below and speak to a licensed advisor.
Your advisor will illustrate your IUL and show you all the details in the policy.
If everything makes sense, your advisor will help you submit an application to your carrier.
Founder & President
I founded Max Cash IULs with a clear mission: to help educate Americans on tax-free retirement strategies. I believe understanding your options is the first step toward building a stronger financial future.
My focus is helping individuals and families understand how properly structured indexed universal life insurance can provide life insurance protection, build cash value, and offer access to income that may be tax-free when policy requirements are met. Through education, transparency, and personalized guidance, I help clients explore strategies that align with their goals for retirement and the legacy they want to leave behind.
Don't see yours? Ask an advisor directly. There's no such thing as a dumb question about your own money.
Talk to an AdvisorNo. There's no fee for the conversation or the review. Like most insurance agents, your advisor is paid a commission by the insurance company when a policy or annuity is issued. You don't pay a separate fee.
With an Indexed Universal Life (IUL) policy, your cash value isn't directly invested in the stock market. Most IULs offer a 0% floor on index credits, meaning market declines won't directly reduce your cash value. When properly funded and managed, an IUL offers the potential for cash value growth while providing valuable life insurance protection.
It's indexed universal life insurance designed to take in as much premium as federal tax rules allow, with the death benefit kept as low as those rules permit. More of each dollar goes to cash value.
It's life insurance first. It has insurance costs, has to be funded as planned, and works best over many years. Policy loans and withdrawals can be income-tax-free if the policy stays in force and isn't a modified endowment contract. A lapse can create a tax bill.
Neither one is better across the board. An annuity is built to protect and grow savings and turn them into income. A max-funded IUL is life insurance that also builds cash value, and it needs time and health approval. Your advisor will walk through both with your own numbers.
A second opinion is always worth considering, especially before putting money into an IUL.
Proper policy design matters. Make sure your IUL is structured around your goals, with a clear understanding of the costs and a strategy designed to maximize cash value potential.
Tell us a little about what you're after and we'll get back to you. No cost, no pressure.
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