What If Your Life Insurance Could Help Fund Your Retirement—and Protect Your Family?
Discover how one illustrated Indexed Universal Life (IUL) strategy combines long-term cash value potential, planned lifetime retirement income, and life insurance protection for loved ones.
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Illustrated Retirement Potential
Hypothetical example based on non-guaranteed policy assumptions. Not a promise of future performance.
One Policy. Multiple Financial Goals.
Most people purchase life insurance to protect their family. But what if your policy could also help you prepare for retirement?
A properly structured Indexed Universal Life (IUL) policy may offer three important opportunities: build potential cash value, create supplemental retirement income, and maintain life insurance protection.
Let's explore what those opportunities look like using a detailed hypothetical illustration.
What Could a Long-Term IUL Strategy Look Like?
This example illustrates an individual starting at age 45, funding a policy over 20 years, and beginning planned lifetime income at age 65.
Total premiums contributed over 20 years.
Illustrated annual income beginning at age 65. Subject to rider terms and eligibility.
Illustrated accumulated value before outstanding policy loan balances.
Illustrated net value after outstanding loan balance.
Illustrated benefit for beneficiaries, subject to policy provisions.
Annual planned income divided by 12; not a separate or guaranteed monthly payment.
All illustrated values are based on non-guaranteed assumptions. The amounts are interconnected and should not be added together as separate available benefits.
How Was This Illustration Funded?
This particular example uses a planned premium schedule designed around a long-term retirement objective.
- Starting age: 45.
- Years 1–2: $100,000 annually.
- Years 3–20: $50,000 annually.
- Total planned premium outlay: $1,100,000.
- Planned retirement income begins at age 65.
The example illustrates how a consistent, long-term funding strategy may support retirement planning alongside life insurance protection.
Your Strategy Doesn't Have to Start at $100,000 a Year
The contribution amounts shown are specific to this illustration—not a universal minimum.
Your personal strategy can be evaluated based on your age, insurance eligibility, funding capacity, and retirement timeline.
See What My Budget Could Support →Tell us your goals and contribution preferences.
How Could IUL Work Throughout Your Life?
Build During Your Working Years
Fund your policy while building potential cash value and maintaining life insurance protection.
Prepare for Retirement
Review accumulated values, potential retirement distributions, and available income benefits.
Explore Lifetime Income
When contractual requirements are met, an eligible lifetime income rider may help provide an additional retirement income stream.
What Could an Additional Retirement Paycheck Mean for You?
Retirement isn't only about how much you've accumulated. It's about creating income to support the lifestyle you've worked hard to build.
Certain IUL policies offer optional lifetime income benefit riders that may provide contractual income under specific conditions.
In this example, the planned lifetime income benefit is $140,859 annually beginning at age 65.
Your personal income potential will depend on your age, premium funding, policy design, performance, and applicable rider requirements.
Approximately $11,738 per month as an annual-to-monthly equivalent.
Illustrated amount is non-guaranteed. Rider benefits depend on contractual requirements.
Explore My Lifetime Income Potential →What About Your Family's Financial Future?
Retirement planning focuses on your future. Life insurance protection helps you plan for the people you love.
The illustration shows a net death benefit of $2,431,664 at age 65, alongside the planned retirement income strategy.
The amount of protection can change as policy values, loans, withdrawals, and income benefits change. That's why reviewing your retirement goals and family protection needs together is so important.
Why Consider IUL in Your Financial Strategy?
Cash Value Potential
Build potential cash value over time through indexed crediting, subject to policy terms and expenses.
Lifetime Income Options
Explore optional lifetime income benefits available on eligible policies.
Family Protection
Maintain life insurance protection for your beneficiaries while planning for retirement.
What Could Your Own IUL Illustration Look Like?
You don't have to use the same premium amounts or retirement timeline shown in this example. Discover what may be possible based on your personal financial goals.
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Questions About This IUL Strategy?
Can IUL really provide retirement income?
Certain IUL policies allow access to accumulated cash value through withdrawals or loans. Some offer optional lifetime income benefits subject to contractual requirements.
Do I need to contribute $100,000 annually?
No. This illustration uses $100,000 annually for the first two years and $50,000 annually for the following 18 years. Your options depend on your age, eligibility, goals, and available budget.
Is the illustrated $140,859 income guaranteed?
No. The illustrated income amount depends on non-guaranteed assumptions. An eligible lifetime income rider may offer contractual guarantees once its requirements are satisfied, but the actual benefit must be determined under the specific policy and rider provisions.
Can my family still receive a death benefit?
Yes, a properly maintained IUL policy provides life insurance protection. The net death benefit can change based on policy performance, loans, withdrawals, and rider activity.
Can I receive tax-advantaged retirement income?
Qualifying distributions from a properly structured non-MEC policy may receive favorable federal income tax treatment. The result depends on policy status, distribution methods, and applicable tax law.
How do I see my personalized illustration?
Complete the IUL Retirement Strategy Questionnaire. A licensed insurance professional can review your information and discuss potential policy designs and personalized illustrations.
You've Worked Hard for Your Future. Explore What Your Money Could Do.
Protect your family. Explore long-term cash accumulation. Plan for potential lifetime retirement income.
Get My Personalized IUL Strategy →Start with our IUL Retirement Strategy Questionnaire.