DaveLife is all about leveraging tax-advantaged strategies to help people improve their quality of life before and during retirement. You do amazing things while you’re alive! We believe your life insurance should too!
For those in accumulation (working) years, we use a vehicle called Indexed Universal Life (IUL). You aggressively build cash value which can be accessed tax-free via policy loans. Never lose a dime because of market declines. Learn how if structured and funded correctly you can effectively create a “Tax-Free Retirement.” Learn more
For retirees & pre-retirees, we use Fixed Indexed (Deferred) Annuities. These grow tax-deferred & are linked to a market index. When the market goes up you get part of the gain. Market goes down you lose nothing. Use it to create a lifetime income you cannot outlive or simply use it for reasonable accumulation without the downside risk. Can you afford to lose 40% (again) in a market correction? We can help you roll over an existing qualified plan (401K, 403b, IRA, etc.) or start a new account. Learn more
We also offer a full portfolio of traditional life insurance (Term Life/Whole Life, etc.) and fixed annuity products from 20 of the World’s best carriers with some of the most competitive rates/premiums (free quote/no contact info required!) and in many cases liberal underwriting. We are even able to cover special (impaired risk) medical situations. Every family deserves the peace of mind and financial security offered by Life Insurance. Learn more
Free Retirement Whitepaper
Get your copy of our Exclusive 15-page Retirement Whitepaper as a PDF. “Building a Bridge to Retirement” examines some mistakes many people make in retirement planning & shows how alternatives like Indexed Universal Life may help. Find out how “saving” $135,000 in taxes now can end up costing you over $1,000,000 in retirement!
Indexed Universal Life (IUL)
Imagine a Life Insurance policy that:
♦ Can build significant cash value
♦ Has cash value that gets credited interest & grows based on the growth in a stock market index like the S&P 500®
♦ If the index goes down your account (cash value) can never decrease → it can only go up
♦ Has flexible payments → within plan guidelines (maximum & minimum), pay in whatever you want each month
♦ If you die prematurely your loved ones get a significant death benefit
♦ And all that’s not the best part…..If you don’t die prematurely…
You can use the cash value while you are ALIVE! for whatever purpose you want & do it Income Tax Free! You can effectively create a Tax Free Retirement!
You access the money as a policy loan to be repaid from the eventual death benefit. Since it is a policy loan, not income, you never pay income taxes on the gains*
You control how much money you want to access, when you want to access it & what to do with it. You don’t have to decide all of that when you set up the plan. You have an incredible amount of flexibility.
What are you doing now? Does your current insurance plan do all of this? Does your current retirement savings plan (or children’s college savings plan) offer you all this?
This type of life insurance is called “Indexed Universal Life” or an “IUL.” We call it an “ALIVEstrategy.”
Life Insurance gets a whole lot more exciting if you can use it while you’re ALIVE!