760-259-9679 Office

401k Alternatives
It's What You Need To...
401k Alternatives
It's What You Need To...

760-259-9679 Office

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IUL vs. 401k side-by-side Comparative Analysis Video

This video compares an IUL to a 401k - using a side-by-side - mathematical comparison.

Rememer, math is imperical - it doesn't lie.

Now it's time to explore the IUL in detail.

 

This booklet tells you everything you need to know about IUL, and how it protect you and your family.

Be sure to keep scrolling down for even MORE educational videos. 


Click to Open Booklet

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Do you want more information on IUL's before you book an appointment? Look below.

Do you want more information on IUL's before you book an appointment? Look below.

Do you want more information on IUL's before you book an appointment? Look below.

Do you want more information on IUL's before you book an appointment? Look below.

Do you want more information on IUL's before you book an appointment? Look below.

Do you want more information on IUL's before you book an appointment? Look below.

Continuing IUL Education Videos

Hi, and thank you for stopping by. My name is Steve Johnson.

I Prioritize education over persuasion.

 

No sales pitch here. You’re already on board with saving for retirement. My goal is to help you explore your options and make a well-informed decision about where to save. It’s not about me advising you; it’s all about helping  you becoming educated and informed so you can make the decision where to put your money for retirement.

AND...

Booking an appointment doesn’t obligate you to anything. It’s merely a session to get your questions answered and I'll show you an sample case on the calculator. The only decision you’ll need to make is if you want to set up a second appointment to discuss a comparison of your current plan.

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Contact Us

I Do Zoom Virtual Appointments.

The 401k Alternative

Carlsbad, California, United States

760-259-9679 Office 760-846-0436 Cell steve@the401kalternative.com

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09:00 am – 05:00 pm

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Validation of Congressional Acts

                                

TEFRA, DEFRA, and TAMRA are three pieces of U.S. legislation that have significant implications for life insurance policies:

  • TEFRA (Tax Equity and Fiscal Responsibility Act of 1982): This act laid the groundwork for tax-deferred growth within life insurance policies, allowing policyholders to experience the compounding of their account values without immediate tax consequences1.
     
  • DEFRA (Deficit Reduction Act of 1984): Building on TEFRA, DEFRA emphasizes efficient premium payments and addresses modifications to policy loans to ensure that policyholders maintain eligibility for favorable tax treatment1.
     
  • TAMRA (Technical and Miscellaneous Revenue Act of 1988): TAMRA introduced reforms to sustain the tax benefits over time, maintaining the tax-deferred status of policy growth1.
     

These acts collectively impact how life insurance is defined, the calculation of premiums, cash value, and death benefits, and they establish rules to prevent the use of life insurance as a tax shelter. Understanding these rules is crucial for policyholders and agents to avoid adverse tax consequences and to maximize the financial benefits of life insurance policies1.

      

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