Why IUL is Alternative to 401k

🏦 IUL vs. 401(k): Why IUL Is a Retirement Account

We are not life agents for death benefits — we are educators for living benefits.

It’s not about when you die. It’s about how you live — especially when you retire.

✅ IUL = Retirement + Protection + Tax-Free Wealth

Tax-Free Growth:

Your money grows tax-deferred, and you can access it tax-free — unlike 401(k)s, which are taxed when you withdraw.

No Market Losses:

Your money is protected from market crashes. With IUL, you earn interest when the market goes up — but you never lose when it goes down.

No Age Restrictions:

Withdraw your cash value anytime — no age 59½ rule like 401(k)s. No early withdrawal penalties.

No Required Minimum Distributions (RMDs):

With 401(k), the government forces you to take money out and pay taxes at age 73. Not with IUL.

Living Benefits:

Access your cash for emergencies, retirement, healthcare, or opportunity — while you’re alive.

Legacy Included:

Yes, it has a death benefit — but the real value is using it while you’re alive and retired.

🔁 With IUL, You Become the Bank

You can borrow from yourself tax-free.

Pay yourself back on your terms.

Keep your money growing even while you use it.

❌ 401(k) Limitations

Fully taxed at retirement.

Tied to the market (you can lose money).

Government-controlled access and rules.

🔑 IUL is Not Life Insurance — It’s a Smart Retirement Strategy

We’re not selling policies for death.

We’re building financial freedom for the living.

💬 "Plan your retirement like a wealthy person — tax-free, stress-free, and protected."

Contact Thongkhoun Pathana & Rassany Khakeo

📞 978-328-4402

📧 Mettapathana@gmail.com