IUL OVERVIEW
This policy offers permanent life insurance with flexible premium payments and a death benefit, alongside a tax deferred cash value component linked to a stock market index. Most plans offer living benefits such as accelerated death benefits (25% - 80%) for qualifying chronic or terminal illnesses such as Cancer, Heart Attack or Stroke, allowing you to access funds while you are still alive. These enhancements provide comprehensive support for various health challenges while also offering tax-advantaged growth for retirement.
PROS
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Flexible premiums, cash value growth linked to a stock market index, which can offer higher returns compared to traditional whole life insurance policies
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The cash value grows tax-deferred, providing potential tax advantages for retirement planning
CONS
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The growth of cash value is subject to cap rates and participation rates
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May limit returns compared to direct market investments
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Understanding the index-linked growth can be complex
BEST FOR
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Those seeking a thorough solution that offers not only extensive living benefits
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Those seeking a flexible coverage and tax-advantaged cash value growth for retirement planning
BENEFITS OF IUL
Flexible Premiums and Coverage
Adjust your premiums and death benefit amounts according to your financial needs and goals, providing a customizable insurance solution.
Tax-Advantaged Cash Value Growth
Benefit from cash value growth linked to a stock market index, with earnings growing on a tax-deferred basis. This feature allows you to potentially enjoy higher returns compared to traditional whole life insurance policies. Funds that can be accessed tax-free during retirement using policy loans and withdrawals.
Access to Living Benefits
Utilize living benefits such as accelerated death benefits for serious health conditions, providing crucial financial support if you face significant health challenges.
Lifelong Protection
Enjoy permanent coverage with the assurance that your beneficiaries will receive a death benefit regardless of when you pass away.
Retirement Planning Tool
Use the tax-advantaged growth of your cash value as a strategic component of your retirement plan. Access cash value through tax-free loans or withdrawals to supplement your retirement income.
WHO IS IUL BEST SUITED FOR?

Retirement Planners

Flexible Coverage Seekers

Long-Term
Financial Strategists

Health-Conscious Individuals Planners

Families Needing Comprehensive Protection
1. Retirement Planners:
Ideal for individuals seeking a tax-advantaged investment to complement their retirement savings, with the added benefit of flexible insurance coverage.
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2. Flexible Coverage
Seekers Perfect for those who want customizable life insurance with the ability to adjust premiums and coverage amounts as their needs evolve.
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3. Health-Conscious
Individuals Suitable for people who want extra financial protection for health-related issues, including critical illnesses and long-term care needs.
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4. Long-Term Financial
Strategists Best for those who want a permanent insurance solution with the potential for significant cash value growth which may be accessed tax free via policy loans and withdrawals (withdrawals in excess of premiums paid will likely incur income tax) providing a dual benefit of coverage and retirement planning.
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5. Families Needing Comprehensive Protection
Provides a robust solution for families seeking lifelong insurance coverage combined with the ability to access funds for any reason.

THE BHB ADVANTAGE
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TOP RATED BROKERS
Working with a broker who is licensed and certified with multiple A rated carriers is the best approach. They can provide guidance and customize plans that fit your needs. At BHB we offer no-cost, no-obligation consultations that can be scheduled for any day and time of your choosing. We never sell your information to others.
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WIDE -RANGING OPTIONS​
As an independent agency, BHB has access to policies from over 30 respected insurance providers. This extensive selection allows you to compare rates and coverage options easily, helping you make well-informed choices.
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COST-FREE FOR CLIENTS
​Our brokerage services come at no cost to you. We are compensated by insurance companies through commissions on policies sold, meaning there are no broker fees, additional premiums, or hidden charges when you purchase a IUL insurance policy through BHB. In fact, you’ll save money by comparing various policies to find the best offer.