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IUL stands for Indexed Universal Life Insurance. IULs can be complex financial products. Our consultants will help you fully understand the benefits before committing.
We will look at your entire portfolio of insurance and financial vehicles and decide together what makes sense for you when considering your plans for the future. Mostly we will listen to you and offer the best options for your situation.
Using a specific financial strategy, you will be using the tools of Life Insurance and Index Markets to safely build cash which you can borrow tax free and interest free in the future.
An IUL can be used for various purposes, such as tax free retirement income, college savings, supplementing your emergency fund or financing investments. Knowing your goals will help determine how IUL is the right tool and when to start.
IUL is designed to benefit individuals with long-term financial goals, seeking to accumulate tax-advantaged cash value alongside life insurance protection.
The way that you fund the IUL and how you make it pay out is key. This has to be a part of your overall money growth and usage strategy. Whether you want to use it for retirement income, investment funds, child college savings or emergency money. The IUL has benefits the 401k and Roth do not.
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Private Insurance companies are not found on the main market place and offer coverage based on your health and not your income. If you make a lot of money this is usually a cheaper option with better benefits.
First Health Network uses the same network as Aetna, it is a national network of doctors and hospitals in the United States. It is a large and well-established network of health care providers serving millions of members nationwide.
The deductible is the amount of money you pay beyond your monthly preminum payment before your insurance will pay. A co-pay is sometimes calculated a percentage amount you must pay in addition to what the insurance company will pay for your benefit. Private plans often do not have co-deductibles or co-pays.
Sometimes referred to as 'Obamacare'. This is the main market placed for public insurance in the United States. You qualify based on your income not your health.
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