IUL Strategy · High-Income Professionals The IRS Will Take 37% of Your Retirement Income.
There’s a Legal Way to Keep It.
High-income professionals are using an IRS-approved strategy to build tax-free retirement income with zero market loss risk and no contribution limits. See if you qualify in 15 minutes.
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The Problem With Your 401(k) You’ve Worked Hard to Build Wealth.
The IRS Is About to Take a Third of It.
If you’re a physician, attorney, business owner, or executive earning over $150,000 a year you’re probably doing everything right. Maxing your 401(k). Saving diligently. Building a retirement you’ve earned.
But here’s what most financial advisors won’t tell you:
Every dollar you pull out of your 401(k) in retirement gets taxed as ordinary income. At your income level, that’s 32 to 37 cents out of every dollar gone before you spend it.
And that’s before Required Minimum Distributions force you to start withdrawing at 73 whether you need the money or not.
“Most financial advisors are optimizing for growth inside taxable accounts meaning the IRS takes a third of everything you’ve built the moment you need it.”
37%
Marginal tax rate most high earners pay on 401(k) withdrawals in retirement
38%
Average 401(k) lost in 2008. The S&P dropped 19% again in 2022. Your retirement is fully exposed.
$23K
IRS annual cap on 401(k) contributions. For high earners that’s not enough and you still pay taxes on every dollar out.
What If Your Money Could Follow the Market Up But Never Go Down?
An Indexed Universal Life policy IUL is the vehicle most CPAs and financial advisors don’t tell you about. Not because it doesn’t work. Because they don’t sell it.
Your money grows tax-deferred, indexed to the performance of the S&P 500. When the market goes up, your cash value grows. When the market drops your floor is zero. You never lose a dollar.
And when you take money out in retirement? It comes out completely tax-free. This is not a loophole. It is written into Section 7702 of the IRS tax code.
Tax-Free Growth
Cash value grows tax-deferred. Distributions in retirement come out 100% tax-free. The IRS cannot touch it.
Zero Market Loss
Your floor is always 0%. In 2008, 2020, and 2022 IUL clients lost nothing while 401(k) holders watched years of savings disappear.
No Contribution Limits
Unlike a 401(k) capped at $23,000 per year, an IUL has no government-imposed limit. Put in as much as your strategy calls for.
No Required Withdrawals
The IRS forces 401(k) holders to start withdrawing at 73. An IUL has no RMDs. Pull money on your terms.
Tax-Free Death Benefit
Every IUL includes a tax-free death benefit that transfers to your beneficiaries outside of probate — an immediate estate for your family.
Living Benefits Access
Access your cash value at any age through tax-free policy loans — no penalties, no age restrictions.
IUL vs. 401(k) The Numbers Don’t Lie
| Feature | 401(k) | IUL Policy ✦ |
|---|
| Tax-free retirement income | ✗ Taxed as income | ✓ 100% tax-free |
| Market loss protection | ✗ Fully exposed | ✓ 0% floor |
| Annual contribution limit | ✗ $23,000 cap | ✓ No limit |
| Required withdrawals at 73 | ✗ Mandatory RMDs | ✓ No RMDs |
| Tax-free death benefit | ✗ Not included | ✓ Included |
| Access before age 59½ | ✗ 10% penalty | ✓ No penalty |
| Market upside participation | Yes with full risk | ✓ Yes — zero risk |
This Strategy Works Best If You Are:
This is for you if…
✦A physician, surgeon, dentist, attorney, business owner, or executive
✦Earning $150,000 or more annually
✦Already maxing your 401(k) or looking for additional tax-advantaged vehicles
✦Concerned about your tax burden in retirement
✦Interested in building wealth your family can inherit tax-free
✦Thinking in decades — not quarters
This is NOT for you if…
—You're looking for a quick return with no commitment
—Your income fluctuates and you can't commit to consistent premiums
—You're not open to a long-term wealth-building strategy
—You're looking for a day-trading alternative
This strategy requires commitment and consistent premium payments. It works best for professionals with stable, high income who are thinking in decades — not quarters.
From First Call to Coverage in 3 Simple Steps
01
Free 15-Minute Strategy Call
We review your income, existing accounts, tax situation, and retirement goals. No obligation. No pitch. Just clarity on whether an IUL makes sense for your specific situation.
02
Your Custom Illustration
We shop Top Rated Carriers simultaneously and build a personalized projection showing your exact cash value growth and projected tax-free retirement income using conservative numbers you can count on.
03
Get Covered — Often Same Day
Most professionals qualify with no medical exam. Once approved, your policy activates and your money starts working immediately. Your advisor stays with you for annual reviews as your life evolves.
What Our Clients Say
★★★★★
“I had a CPA and a financial advisor for 15 years. Neither of them ever mentioned this strategy. What DeFranco Enterprise showed me will save my family hundreds of thousands in taxes over the next two decades.”
Dr. Michael R.
Orthopedic Surgeon · Florida
★★★★★
“As a managing partner my income fluctuates year to year. The flexibility of the IUL — adjusting contributions while keeping protection in place — was exactly what I needed. The 15-minute call was the most valuable financial conversation I've had.”
Sarah K.
Managing Partner · Law Firm · Texas
★★★★★
“I always thought life insurance was just a death benefit. What I didn't realize was that an IUL is one of the most powerful retirement tools available — and the IRS can't touch a dollar of it.”
James T.
Founder & CEO · Technology Company · California
Answers to What You’re Probably Wondering
"Is this too good to be true?"
We understand the skepticism. The tax-free treatment of IUL distributions is written into Section 7702 of the IRS code — it has been there for decades. Where IULs get a bad reputation is when agents illustrate them at unrealistic rates of return. We always show conservative projections so you know exactly what you're getting into.
"How is this different from my 401(k)?"
Two critical differences. First, money comes out tax-free — your 401(k) is taxed as ordinary income at withdrawal. Second, there is no government contribution limit. Most professionals use an IUL alongside their 401(k), not instead of it.
"I already have a financial advisor."
Most financial advisors specialize in investments and traditional retirement accounts. Very few specialize in tax-free insurance strategies. Ask your advisor this: are they showing you a way to generate tax-free retirement income with zero market loss risk? If not, this conversation is worth 15 minutes.
"What does it cost?"
Premium depends on your age, health, and how much you want to contribute. On a 15-minute call we show you exactly what the numbers look like for your situation and your projected tax-free retirement income. No obligation to move forward.
LEGACY
Stop Giving the IRS a Third of the Retirement You Built.
A free 15-minute strategy call is all it takes to see what your tax-free retirement income could look like. We work with a limited number of new clients each month.
Licensed & IndependentTop Rated CarriersNo ObligationNo Medical Exam