Be Your Own Bank

How Indexed Universal Life Insurance Puts You in Control

Understanding Banks:

 Traditional banks pay very little interest on deposits but charge higher rates on loans, profiting more than the customer. Banks invest in insurance because of the power of cash value growth.

Be Your Own Bank: With an IUL, you can borrow from yourself at low interest while your cash value grows.

• Fixed-rate “wash” loan: Borrow at 2%, cash value grows at 2%.
• Higher-return scenario: Borrow at 5%, cash value grows at 6–8% or more.
• Flexible repayment: Cash value continues growing; death benefit remains intact.

Benefits:

• Your money works for you, no intermediaries.
• Flexibility to access funds for opportunities or expenses.
• Protection for family with death benefit.
• Tax advantages: cash value growth is tax-deferred; policy loans often tax-free.

The Bottom Line

Banks understand the power of insurance. Now you can, too. By using an IUL strategically, you can be your own bank, take control of your financial future, and keep more of your money in your own system—earning, growing, and working for your goals.