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Retirement Planning

Let's protect your financial future. Speak with our financial experts about available solutions for savings, retirement, investments and more.

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​A properly designed, Indexed Universal Life Insurance (IUL) policy offers tax advantages no other single product can provide. It would take a combination of investments to equal all the advantages of an IUL.

​Tax advantages

​With an IUL, there are no taxes due during the accumulation phase when the policy’s cash value builds up. When you are ready to retire, you can take tax-free distributions of the cash value. IULs also allow the tax-free exchange of one policy for another without triggering income taxes. And when you pass on, the tax-free death benefit protects their loved ones against financial uncertainty.

​Protection Against Stock Market Downfall

​An IUL provides market gains without market-based risk because it’s not an investment in the stock market. With an IULs principal-protection guarantee, gains from the previous year are locked in and the principal cash value remains the same. To put it simply, even if the stock market crashes, there are no losses.

​Flexibility And Control

​Unlike an IRA or 401(k), there are no limitations on the amount you can contribute annually to the IUL. As a result, the IUL can have a high starting cash-value based on what they contribute to the policy.

Even better, you can have access to their cash value at any age, any time, for any reason, without paying taxes or penalties. IULs also allow a tax-free exchange of one policy for another, plus the flexibility to change death benefit amounts, premium amounts and payment frequency.

For younger people, an IUL provides a great rollover solution when they’ve accumulated considerable savings in a former employer’s retirement plan. For baby boomers who have been delaying retirement planning longer than they should, an IUL can provide a last chance to secure their retirement years. Of course, the tax-free death benefit offers an advantage to primary wage earners who are concerned about protecting the financial security of loved ones after they’re gone.

​The most cost-effective way to protect your retirement saving

These days, most people, if not all, are highly concerned about rising taxes and future market performance of their retirement savings. Indexed Universal Life Insurance is a cost-effective way to protect your savings from taxes while providing you with supplemental retirement income for your entire lifetime.

Financial Products

Here are a few of the financial products we assist clients with:
  • Annuities - Fixed Annuities, Fixed Index Annuities, Income Annuities, Annuity Living Benefits
  • IRAs - Rollover IRAs, Traditional IRAs, Roth IRAs, IRAs for Spouses, SEP IRAs, SIMPLE IRAs
  • Life Insurance - Term Life Insurance, Universal Life Insurance, Indexed Universal Life Insurance, Variable Universal Life Insurance, Survivorship Life

You may or may not qualify for all or any of the options above. The best way to find out your best options is to schedule a free consultation with our financial specialists today.
 (818) 724-4256
Burbank, CA 91501
Click Here to Email Us
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Legacy West Insurance And Financial Services
Burbank, CA 91501
(818) 724-4256
Click Here to Email Us

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