Properly Structured IUL | Zero Market Risk & Tax-Free Growth
Properly Structured Indexed Universal Life

You work hard for your money.
Let your money work hard for you.

Zero Market Risk &
Tax-Free Growth
See how a properly structured IUL policy with compounding growth and a 0% floor can shield your cash value from market losses, preserve and grow your wealth, and create tax-free retirement income.

  • 0% Floor Market Protection
  • Access Your Money Tax-Free & Penalty-Free
  • Tax-Free Retirement Income
  • Compounding Wealth Accumulation
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Tax-Advantaged Strategy
Retirement Planning
Family Protection
Indexed Growth
IUL Retirement Projection
Your personalized tax-free retirement income estimate
Monthly Contribution $2,500
Current Age 43
Target Retirement Age 65
Estimated Growth Rate 6.5%
Years until retirement: 22 years
Total Premiums Paid
$0
Est. Accumulation Value
$0
ESTIMATED ANNUAL TAX-FREE INCOME
$0
Estimates for illustrative purposes only. Actual results vary based on policy design, health, and market conditions.
The Basics

How Does An IUL Work?

A Smarter Way to Protect, Grow, and Access Your Money

Zero Market Risk

Your cash value is credited based on a market index, but a 0% floor means you never lose money when markets decline. Your gains are locked in annually.

Access Your Money

Unlike 401(k)s and IRAs, you can access your cash value through tax-free loans and withdrawals at any age — no waiting until 59½, no penalties.

Tax-Free Income

Loans from your IUL policy are not considered taxable income by the IRS. Retire with a tax-free income stream that won't increase your tax bracket.

Living Benefits

Access your death benefit early if diagnosed with a critical, chronic, or terminal illness — providing financial protection when you need it most.

No Contribution Limits

Unlike 401(k)s and Roth IRAs, properly structured IUL policies have no IRS contribution limits, allowing you to maximize wealth accumulation.

Legacy & Wealth Preservation

Pass a tax-free death benefit to your heirs, creating generational wealth. Your IUL grows your legacy while protecting your family's future.

The Difference

Why Proper Structure Matters

Most IUL policies are sold, not designed. The structure makes all the difference.

IUL Wealth Architecture
Protection Foundation— Death Benefit
Cash Value Engine— Tax-Free Growth
Tax Advantage Layer— IRS Compliant
Legacy
0%
Floor Protection
100%
Tax-Free Growth
1

Designed Around Your Goals

A properly structured IUL is custom-engineered to maximize your specific financial goals — whether that's retirement income, family protection, or tax savings.

2

Keep Death Benefit Low, Growth High

Strategic design keeps the insurance cost low while maximizing the cash value accumulation component — that's where your wealth lives.

3

Use Term Insurance for Maximum Protection

Properly layering term coverage alongside your IUL ensures you have maximum death benefit protection at minimum cost, freeing up premium dollars for growth.

4

Avoid MEC Status

A Modified Endowment Contract (MEC) removes all tax advantages. Proper structuring ensures your policy stays well below the MEC threshold.

Side by Side

Properly Structured vs. Improperly Structured

The structure of your IUL determines everything. Here's what separates results from regret.

Properly Structured IUL

Maximized for Wealth Growth
Maximum Cash Accumulation — every premium dollar working for growth
Full Tax Advantages maintained — stays IRS compliant, under MEC limits
Build Tax-Free Retirement Income streams that don't push you into higher brackets
Build Generational Wealth with a clean, growing tax-free death benefit
Flexible access to cash at any time without IRS penalties or early withdrawal fees
Low insurance costs relative to cash value — engineered for accumulation

Improperly Structured IUL

Sold for Commission, Not Results
Reduced Cash Value Growth — excessive premiums going to insurance costs
Reduced Tax-Free Income potential — limited by poor policy design
Excessive Insurance Expenses eating into your retirement savings
MEC Risk — policy loses ALL tax advantages if overfunded incorrectly
Policy lapse risk if cash value drops too low in later years
Higher cost structure that prioritizes agent commissions over your wealth
See How a Properly Structured IUL Looks for You
Run The Numbers

Your Personalized IUL Projection

Explore how a properly structured IUL can build your tax-free retirement wealth.

Customize Your Strategy
Adjust each variable to build your projection
Monthly Contribution $500
Current Age 35
Retirement Age 65
Avg Annual Growth Rate 6.5%
Strategy Note: These projections assume a properly structured IUL policy with an indexed growth strategy, 0% floor protection, and optimized premium design. Individual results vary based on health classification, carrier, and policy design.
Your Wealth Projection
Total Premiums Paid
$0
Estimated Cash Value at Retirement
$0
ESTIMATED ANNUAL TAX-FREE INCOME
$0
Est. Tax-Free Death Benefit
$0
Client Stories

Families We've Protected

Real results from real families who invested in their financial future.

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Families Protected
0
Policies Structured
0
Retirement Strategies Built
0
Wealth Protected
★★★★★

"Cory took the time to explain exactly how IUL works and designed a policy specifically around my retirement goals. I now have complete confidence I'll have tax-free income in retirement. This is the best financial decision I've ever made."

MR
Michael R.
Business Owner, Florida · Policy Holder 3 years
★★★★★

"I wish I had found Cory sooner. I had an IUL that wasn't working — too much going to insurance, not enough to growth. He restructured everything and now I can see a real path to retiring with $8,000 tax-free per month."

SL
Sarah L.
Nurse Practitioner, Texas · Policy Holder 2 years
★★★★★

"The transparency and education Cory provides is unmatched. He showed me exactly how my money grows, why structure matters, and how I can access it tax-free. My family has real protection and real wealth-building now."

DT
David T.
Engineer, California · Policy Holder 4 years
Your Wealth Strategist

Meet the Expert Behind Your Strategy

Cory Levine - IUL Specialist
Specialization
IUL Strategy
Client Rating
5.0 / 5.0 ⭐
Licensed Life Insurance Strategist
Cory Levine
Founder · Properly Structured IUL

Cory Levine is a nationally recognized life insurance strategist with a singular focus: helping families build tax-advantaged wealth through properly designed Indexed Universal Life policies.

Unlike advisors who simply sell products, Cory spends time understanding your specific financial goals and engineers each policy from the ground up — ensuring maximum cash accumulation, full tax advantages, and a clear path to tax-free retirement income.

His educational approach has empowered hundreds of families to take control of their financial futures — protecting against market risk while building generational wealth that lasts beyond a lifetime.

Licensed Insurance Professional
500+ Families Served
IUL Design Specialist
Retirement Income Planning
Tax-Free Wealth Strategies
Schedule Your Strategy Session
Got Questions?

Frequently Asked Questions

Everything you need to know about IUL, answered clearly.

What is an Indexed Universal Life (IUL) Insurance policy?
An IUL is a type of permanent life insurance that builds cash value by tracking the performance of a stock market index (like the S&P 500) — without directly investing in the market. This means your cash value grows when markets go up, but a 0% floor ensures you never lose money when markets go down. The cash value grows tax-deferred and can be accessed tax-free through policy loans.
How does tax-free income from an IUL work?
When you take money from your IUL in retirement, you're accessing it through a policy loan — not a distribution. The IRS does not consider policy loans to be taxable income. This means you can receive thousands per month in retirement income without it counting as income on your tax return, keeping you in a lower tax bracket and potentially eliminating taxes on Social Security benefits.
What is a 0% floor and why does it matter?
The 0% floor is one of the most powerful features of an IUL. It means that when the market index your policy tracks has a negative year, your cash value is credited at 0% — not a negative number. You simply don't grow that year, but you don't lose money either. Compare that to a 401(k) or brokerage account that can drop 30-40% in a bad market year. With an IUL, your gains are also "locked in" each year, protecting the growth you've already achieved.
What is a MEC (Modified Endowment Contract)?
A MEC (Modified Endowment Contract) occurs when a life insurance policy is overfunded relative to the death benefit within the first 7 years. If a policy becomes a MEC, it loses most of its tax advantages — withdrawals and loans become taxable and subject to a 10% penalty before age 59½. Proper IUL structuring ensures the policy stays well below the MEC threshold, preserving all tax benefits. This is one of the most critical reasons why policy design matters so much.
Can I access my money before retirement age without penalties?
Yes — and this is one of IUL's biggest advantages over 401(k)s and IRAs. You can access your cash value at any age through tax-free policy loans without the 10% early withdrawal penalty that applies to qualified retirement accounts before age 59½. Many people use their IUL's cash value for business opportunities, real estate investments, education expenses, or unexpected financial needs — all while maintaining the policy's death benefit.
Is an IUL a good strategy for retirement planning?
For the right person with the right structure, an IUL can be an outstanding retirement planning tool — especially as a tax diversification strategy. Rather than having all your money in tax-deferred accounts (which means large tax bills in retirement), an IUL adds a tax-free bucket. The ideal candidate contributes regularly, has a long time horizon (10+ years), and values the combination of market-linked growth with downside protection. However, an IUL needs to be properly structured — improper design can dramatically reduce its effectiveness.
Ready to Get Started?

Protect Your Wealth.
Build Tax-Free Income.
Secure Your Family's Future.

Book a complimentary 30-minute strategy session with Cory. No pressure, no jargon — just a clear picture of what a properly structured IUL can do for you.

Book Your Free Consultation Call +1 (561) 542-8610
Properly Structured IUL

Helping families build tax-free wealth and retirement income through properly designed Indexed Universal Life insurance strategies.

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This website is for informational purposes only and does not constitute financial, investment, or legal advice. Life insurance products including IUL policies involve risk and are subject to policy terms and conditions. Projections and illustrations shown are estimates for educational purposes only and are not guarantees of future performance. Past performance is not indicative of future results. Please consult with a licensed financial professional before making any insurance or investment decisions. Cory Levine is a licensed life insurance professional.

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