Index beats S&P 500 by 24% and
no losing years possible
These products are NOT subject to any stock market losses. However, returns that are pegged to the S&P 500 are typically experienced over time. When you hear the market produces say 10% per year, that is usually the result of time invested.
Though flexibility to access the funds is embedded in the system, these are not intended to be as flexible as a bank checking account. In some versions, there is a sliding scale of charges that can be imposed, i.e., a sliding scale of say 7% to zero in year 7, subject to a certain free withdrawal, often 10%. Some versions allow withdrawing all your initial amount at any time with no penalty. All versions are at least tax deferred; some versions are free of any and all taxes state, federal, inheritance, etc., and some versions include a death benefit that doubles or triples the amount you pass on. These will be discussed with your licensed representative.
If the S&P 500 declines in any year, you do NOT lose any money. In fact, when the market goes back up, the losses that the S&P had in the loss year turn into gains for your account. Meaning, your account profits by gains made from the low-end point of the year before. So, if you have $100,000 in your account and the S&P 500 drops 30%, you stay at $100,000. If the next year the market goes up by say 10%, your gains are pegged to the 40% rise.
Interested participants cannot place funds through this site. If interested, a person licensed in your state and in good standing with the insurance department in your state will be your contact and handle any inquiry. The graph and raw data were compiled as if the share rate that inures to the benefit of the index account was the same from year 2000 until 2023 and is based on current interest rates. The share rate displayed is 55%. The insurance companies that issue these accounts declare that rate in the policy and upon yearly statements. Various companies have different share rates. So the graph will look different depending on the company and the sharing details. Discuss this and all policy details with your licensed rep.
TAX ADVANTAGED GAINS
You may retain every dollar of gains with our indexed account. You choose the account version that best suits your needs.
SUPERIOR PERFORMANCE
Watch your account grow. $100,000 invested in an S&P 500 ETF account in the year 2000 grew to $491,000, while the same funds grew to $604,000 by the end of 2023 in the INDEX ACCOUNT. That’s a 24% upgrade.
ENHANCED BENEFITS
Some versions of our INDEX ACCOUNTS provide double or even triple your account balance as an estate benefit and are free of any and all taxes.
PREFERRED TAX ADVANTAGES
Your funds go directly into accounts in your name. The companies are all licensed in your state, and you can Google them at your convenience. They operate under the appropriate insurance departments in your state.
Superior Performance
Superior Performance
See your investments soar with our strategy. From 2000 to 2024, a $100k investment grew to $604,000, outperforming the S&P 500 which reached $491,000 during the same period.
No Down Years
No Down Years
Bid farewell to market anxiety. Your account never loses money, regardless of market fluctuations. Say goodbye to sleepless nights worrying about market downturns.
Tax advantage
Tax advantage Gains
Keep every penny of your earnings with our Tax advantage investment strategy. Under some versions, never pay taxes on your gains, providing significant advantages over traditional investment vehicles.
Flexible and Inclusive
Flexible and Inclusive
Whether you’re starting with modest assets or already wealthy, our strategy is accessible to all. Tailor your contributions to suit your financial goals and aspirations.
Enhanced Benefits
Enhanced Benefits
Some versions of our accounts provide death benefits up to 200%, 300% or even more and above the account values, ensuring added security for you and your loved ones.
Preferred Tax Advantages
Preferred Tax Advantages
Backed by strong insurance carriers, our strategy offers the preferred advantage of tax deferral, unavailable to ETFs or mutual funds. Avoid all taxes on growth, dividends, inheritance, and estate taxes.
Market Resilience
Market Resilience
When the index plummets, your index measure resets, but your account doesn’t lose value. Enjoy peace of mind knowing your investments are protected from market volatility.
Streamlined Planning
Streamlined Planning
Say goodbye to the hassle of timing market entry. With no down years, you can invest confidently without worrying about market timing.
Versatile Use
Versatile Use
Our strategy isn’t just for investments—it can also replace typical life insurance premiums, aid in estate planning, and even reduce income for college planning, allowing for greater financial assistance.
Seamless Transition
Seamless Transition
Older deferred accounts can be easily rolled into more desirable ones, ensuring flexibility and adaptability for your changing financial needs.
How Does The NO LOSS Work
The funds are deposited with the insurance company, which is why these accounts are tax advantaged. The account is in your name and under your control. The company then invests the funds in assets such as treasuries that earn interest. Much of the interest is used to purchase one-year leaps on the S&P 500. At the anniversary date, if the S&P has not risen or declines, the leaps expire and have no value. HOWEVER, YOUR ACCOUNT DOES NOT SUFFER LOSSES. If the S&P rises, your account accordingly profits (see the graph). It is because the loss years do not count that your account can outperform the typical S&P 500 account.
Personalized Illustration
Upon your inquiry, the assigned representative will send you an illustration for your evaluation. It would be helpful if you could provide us with your age and the amount you are considering placing in one of the INDEXED ACCOUNTS. However, if you prefer not to provide this information, we can still send a sample illustration for you to use in estimating your potential results. Please be assured that we are solely interested in gathering your data for the purpose of sharing with you the value of INDEXED ACCOUNTS and do not intend to use it for any other purpose.
