12 Smart Reasons Every Nurse Should Own An Indexed Universal Life Policy

Tax-Free Retirement Income (Huge for Nurses)

(1) Market-Linked Growth Without Market Losses
- Your cash value has the potential to grow with the market while being protected from downturns.(2) Tax-Advantaged Income Potential
- Access policy values through tax-free loans in retirement when structured properly.(3) Downside Protection
- When the market drops, your accumulated value is protected from negative returns.(4) Lifetime Coverage
- Provides permanent life insurance protection that doesn’t expire like term insurance.(5) Liquidity & Flexibility
- Access your money when you need it—without early withdrawal penalties or rigid age rules.(6) Living Benefits
- Many policies allow access to funds in the event of chronic, critical, or terminal illness.(7) No Contribution Limits
- Unlike qualified plans, there are no IRS income caps on who can fund a policy.(8) Tax-Free Death Benefit
- Leaves a tax-free legacy for your loved ones.(9) Retirement Income Diversification
- Adds a tax-free bucket to help reduce reliance on 401(k)s, IRAs, or Social Security.(10) Estate & Legacy Planning
- Helps transfer wealth efficiently and provide financial certainty for heirs.(11) Creditor Protection (State Dependent)
- In many states, life insurance offers protection from creditors.(12) Works at Any Life Stage
- Useful for young families, business owners, high-income earners, and retirees alike.

Most nurses rely on a 403(b), 401(a), or pension—all of which are taxable later.
An IUL can provide tax-free income in retirement, which helps hedge against future tax increases (and let’s be honest… taxes aren’t going down).“It’s like creating your own tax-free paycheck in retirement.”Find out how this approach could benefit you and your family.

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