Indexed Universal Life Insurance
The RAFT Strategy (Retirement Approach Free of Tax)
The RAFT Strategy leverages Indexed Universal Life (IUL) insurance to build a tax-free retirement income while minimizing market risk. Instead of relying on traditional tax-deferred accounts like 401(k)s or IRAs, RAFT uses specially designed IUL policies governed by IRS codes 7702 and 72(e). An IUL provides both a life insurance benefit and a cash value component that grows based on a stock market index, like the S&P 500—without the risk of losing principal during downturns. Through the policy’s loan provisions, individuals can access their cash value tax-free during retirement, creating a powerful income stream that doesn’t trigger taxes or affect Social Security benefits. The RAFT Strategy offers flexibility, downside protection, and growth potential, making it ideal for those concerned about rising taxes and future market volatility. It also provides a death benefit, offering additional financial security for loved ones.
What You May Be Thinking
- How does an IUL policy protect my principal?
- What caps and participation rates apply?
- How will policy loans affect my death benefit?
- Is the RAFT Strategy right for my tax situation?
Our Approach
We begin by assessing your retirement income goals and current tax exposure. Our advisors then structure an IUL policy with the optimal indexing strategy and loan parameters. We review policy performance annually and adjust crediting options to maximize growth while preserving guarantees.
Our Services
- IUL Policy Design
- Premium Optimization
- Cash Value Projection Modeling
- Policy Loan Management
