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Tax-Free Risk-Free Retirement


Tax – Free, Risk – Free Retirement Options

How much of your retirement can you afford to lose the next time Wall Street takes a dip?  How much of your hard earned money would you like to pay toward taxes?  Do you think taxes on your money will decrease in the year to come?  Will social security really still be there for me if there is not enough money to even cover those already using it now?  These are the worries many of us go through as we look ahead and plan for our financial future.

We have options.

Did you know you can protect your funds with an insurance product that is indexed to the market?  This means that you can benefit from market gains, but not participate with the market losses.  Your policy builds cash value that grows with BOTH market gains AND imagecompounding interest.  Over time, this will allow you to recieve a tax-free income in the form of a loan that is repaid upon your death from the funds that have been growing with your policy.  You are essentially taking a loan against your own money.  This allows your money to continue to grow via compounding interest and, since loan monies are non-taxed, you do not have to pay taxes on this type of income.  Your own money and policy act as the collateral, it is always yours to do with as you see fit.  This benefit alone make this a better long term plan than traditional taxed retirement options. Even those taxed options that do well in the market will lose 25-30% in the distribution due to taxation.  These products allow your funds to continue to grow so that you can never outlive your retirement funds.  All of this while maintaining the benefits of an indexed universal life insurance policy. These benefits include:

Tax Free Death Benefit: Upon your passing, your loved ones will recieve not only tax free money from your policy benefit, but they can also receive additional funds remaining from the policy’s associated cash value, which is not taxed as it is paid together with the death benefit.

Terminal Illness: This benefit If diagnosed with a terminal illness where life expectancy is less than 1-2 years, you can cash out some of your policy as an advance.  This may allow you to put funds toward medical bills, expenses from not being able to work, or even to enjoy the time remaining with loved ones without finances as a worry.

Chronic Illness:  This is to help with continuing care needed in the event of nursing home placement or the need for home health services for conditions that require this type of ongoing treatment.  imageThese costs can easily be several thousand dollars per month.  This benefit helps to ensure that your loved ones won’t have to make your health care decisions based on financial limitations.

Critical Illness: This benefit provides for financial assistance in the event of a heart attack, stroke, cancer, etc.  Many families find  themselves in financial distress when critical illness occurs. They may be limited with the ability to work or manage the home during recovery, or even struggle with mounting medical expenses. This type of advance can protect you and your family through these trying times.

Critical Accident: (we are an industry first for providing this option)  This benefit provides access to your death benefit while living in the event of a critical accident such as severe trauma due to an accident.

These industry leading benefits and carriers with 93 – 130+ years of experience enable us to provide the most stable options for you.  We pride ourselves on providing unparalleled quality of protection for our clients, their families, and their futures.

For more information on how to eliminate risk of loss while still benefiting from market gains, contact MFG at (865) 686-8204.  We can show you how to ensure you do not run out of money in your golden years and how your money can come to YOU…not to taxes.