Retirement Planning — the “Super Roth”

Tax-free lifetime income

A properly designed indexed universal life policy delivers tax-advantaged income through policy loans — no required minimum distributions, no Social Security taxation of the income, and a death benefit that passes tax-free to your heirs.

Strategy Four of six · Presented by Neal Brown

The Numbers at a Glance

From the example presentation below

Example funding

$2.5M

$250,000 a year for 10 years

Annual tax-free income

$445,535

Ages 63–90 in the example

Total income received

$12.47M

Over 28 years

Return on investment

399%

Net gain of $9.97M above premiums

How the Strategy Works

Tax-free income

Tax-advantaged income via policy loans
No required minimum distributions (RMDs)
Income not subject to Social Security taxation

Market participation

Linked to the Putnam Dynamic Low Volatility Index
Upside growth potential with downside protection
0% floor — you never lose principal to market losses

Legacy protection

$4,253,710 initial death benefit in the example
Benefit grows with policy value over time
Tax-free transfer to your heirs

The Example Presentation

Non-financed example, Symetra Accumulator Ascent IUL 3.0, illustrated at a 6.16% non-guaranteed rate.

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Want this illustration with your numbers?

This example was prepared for a "Valued Client." A personalized presentation uses your age, your assets, and your goals. Reach out to schedule a conversation with Neal Brown.