Max-Funded IUL: Build Tax-Free Wealth with Zero Market Risk
Discover how high-income earners use Max-Funded IULs to grow money tax-free, protect assets, and retire with more control — without market downside risk.
500+ IULs Structured
$150M+ Protected
Free 15-Min Discovery Call
What Is a Max-Funded IUL?
A Max-Funded Indexed Universal Life (IUL) policy is a powerful strategy that combines life insurance with tax-advantaged cash value growth. By funding your policy to the maximum IRS-allowed limit, you can accumulate wealth inside a tax-free environment — similar to a Roth IRA, but without income limits or contribution caps.
How It Works
Your cash value is linked to a market index like the S&P 500 — you earn growth when the market goes up but never lose value when it drops.
Why It's Popular
High earners use IULs as a tax-free savings vehicle that can also serve as a retirement income stream & being your own bank.
Long-Term Benefits
Tax-free withdrawals, flexible funding options, and protection from volatility make it a strong long-term strategy.
Why Max Fund Your IUL?
Tax-Free Growth
Access your cash value through tax-free policy loans in retirement without triggering income taxes or affecting Social Security.
Market-Linked Growth
Participate in market gains through index crediting while your principal remains protected from market downturns.
Lifetime Protection
Provide a tax-free death benefit to your beneficiaries while building substantial living benefits during your lifetime.
Our Simple 2-Step Process
We provide an educational, no-obligation discovery call to help you understand Indexed Universal Life (IUL) policies and if you're a good fit.
Discovery Call (15 min)
Quick phone conversation to understand your financial goals, current situation, and determine if a max funded IUL is the right fit for you.
Discuss your retirement income goals
Review basic qualification criteria
Answer your initial questions
Custom Illustration (45 min)
Personalized Zoom session where we build a custom IUL illustration based on your specific financial situation and goals.
See exact projections for your scenario
Compare different funding strategies
Determine if you qualify and next steps
Common FAQs
Common questions about comparing and selecting IUL policies
Q: What if markets crash?
Your cash value is protected by a floor rate, meaning you’ll never lose value due to market downturns. You participate in market gains up to a cap but are shielded from losses.
Q: How much can I contribute?
You can fund up to the IRS maximum limit based on your policy structure — our team will help design your policy for optimal tax-free growth.
Q: Can I access money before retirement?
Yes! At any age, no penalties. Unlike 401(k)s.
Q: What if I already have term life insurance?
Term insurance is temporary coverage, and expires so it's an expense. An IUL is permanent protection that also builds tax-free wealth- an asset.
Q: Is this a good alternative to a 401(k)?
For high-income earners who have maxed out traditional plans, a Max-Funded IUL can offer tax-free growth, flexible access, and no penalties for withdrawals.
Q: Is the discovery session a sales call?
No, our calls are strictly educational. We explain IULs, show personalized illustrations, and answer your questions — no pressure, no obligation.
Meet Your Licensed IUL Specialist — Neal Brown
Neal has over a decade of experience helping individuals and families build wealth using Indexed Universal Life insurance. He believes in education first — not sales pressure — and takes the time to ensure every client understands their policy.
Licensed IUL insurance specialist who helps families protect what matters most
Built a career focused on ethical, sustainable strategies, so you get guidance tailored to your goals, not a hard sell
Has helped dozens of clients grow wealth and protect their families through personalized IUL solutions
Passionate about making complex financial strategies easy to understand and actionable for you
What Our Clients Say
"The max funded IUL strategy completely changed my retirement planning. I'm now projected to have $15,000 per month in tax-free income."
- Michael R., Business Owner
"Neil and his team actually explained IULs without the sales pressure. The illustration process was thorough and educational."
- Sarah T., Surgeon
"Best decision I made for my family's financial future. The death benefit protection plus cash value growth is exactly what I needed."
- David L., Engineer
No obligation. 100% educational. We’ll never share or sell your information.
Not Ready for a Call Yet?
Download our Free IUL Guide — “The 5 Secrets to Max-Funding Your IUL for Maximum Growth.”
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100% educational. We’ll never share your information.