You maxed the 401(k) and you still want another tax-advantaged bucket. An indexed universal life policy gives Brickell professionals market-linked growth with a 0% floor in down years, tax-deferred cash value you can borrow against, and coverage for life. Built by a licensed agent who will tell you straight when it is not the right fit.
Your cash value tracks an index like the S&P 500 up to a cap. In a down year the floor credits zero, so a bad market does not hand you a loss. You are not buying the index, the carrier credits interest based on how it moves.
Cash value grows tax-deferred. Funded and structured properly, you can access it through policy loans that are not treated as taxable income. We coordinate with your CPA, this is not tax advice.
Made for people who have maxed the 401(k) and Roth and want another tax-advantaged place for surplus cash, with living benefits and liquidity built in.
Your income, what you have already maxed, and what you want the money to do. 90 seconds or one call.
We compare carriers, caps, and funding, then show you a real illustration, not a sales fantasy.
Clear costs, clear tradeoffs, zero pressure. We will tell you if term plus investing wins for you.
"You can rest assured that they'll find you the best absolute deal and get you insured with the best possible coverage. The follow through is nothing less than best in class. 10/10 recommend!"
G. M. · Google"Extremely knowledgeable, responsive, and made the entire insurance process simple and stress-free. It's rare to find someone who genuinely cares about helping their clients."
M. F. · GoogleBrickell is Miami's financial core, banks, funds, law firms, startups, and a wave of finance and tech professionals who moved here for the tax climate. A lot of them have already maxed every obvious tax-advantaged account and are hunting for the next one. That is where indexed universal life earns a real look: a tax-advantaged bucket with market-linked growth, a floor under it in bad years, and cash value you can tap for a down payment, a business, or income later. It is not for everyone, and the honest version of this conversation matters more than the pitch. We serve Brickell, Downtown, Edgewater, Coconut Grove, and Key Biscayne, in English y en español.
No. It is permanent life insurance with a cash value linked to a market index. You do not own the index. The carrier credits interest based on the index movement, up to a cap and with a guaranteed minimum floor. It is not a security and it is not FDIC insured.
Cash value grows tax-deferred. When the policy is funded and structured correctly, you can access cash value through policy loans that are not treated as taxable income, and withdrawals up to your basis are generally tax-free. This is not tax advice, and we are glad to work alongside your CPA.
IUL has real costs: insurance charges, fees, and a cap on the upside. It only works if it is funded consistently and built to stay in force for decades. If you have not yet maxed your 401(k) and Roth, buying term and investing the difference often beats it. We will tell you that to your face.
High earners with surplus cash who have maxed their tax-advantaged accounts, want another tax-advantaged bucket, value a floor under their money, and will fund the policy for the long haul.
Yes, through policy loans or withdrawals, subject to the policy terms. That liquidity is part of why entrepreneurs and high earners use it. Loans reduce the death benefit and available cash value until they are repaid.
A clean illustration with your actual figures, and an honest read on whether it fits. Two ways to start.
