Services
IUL With Living Benefits
Indexed Universal Life (IUL) insurance is a type of permanent life insurance that provides both death benefits and cash value accumulation. Unlike traditional whole life policies, IUL allows policyholders to grow their cash value based on the performance of a stock market index (e.g., S&P 500) while protecting against market downturns with a zero-loss guarantee.
Why Choose IUL?
Term Life with living benefits
What is Term Life Insurance?
Term Life Insurance is one of the most affordable and straightforward types of life insurance. It provides coverage for a specific period (e.g., 10, 20, or 30 years), ensuring your loved ones receive a tax-free death benefit if you pass away during the policy term.
But modern Term Life Insurance isn’t just about death benefits—it also comes with Living Benefits, giving you access to funds while you’re still alive in case of a serious illness or injury.
Living Benefits:
Protection When You Need It Most Life is unpredictable, and having coverage that supports you during life’s toughest moments is crucial. Term Life Insurance with Living Benefits allows you to access a portion of your death benefit if you experience:
Fixed Index Annuity (FIA) with Living Benefits: Secure, Steady, and Smart Retirement Planning
A Fixed Index Annuity (FIA) is a safe, tax-deferred retirement vehicle that provides guaranteed income for life while allowing your money to grow based on the performance of a stock market index (like the S&P 500). Unlike direct investments in the market, an FIA protects your principal from market downturns while offering growth potential during market upswings.
But what makes FIAs even more powerful? Living Benefits that ensure financial security when you need it most!
Living Benefits:
1. Guaranteed Lifetime Income
One of the biggest advantages of an FIA is the ability to create a guaranteed income stream for life. Many policies offer:
✅ Fixed Income Payouts – You can choose to receive payments for a set period or for the rest of your life.
✅ Spousal Continuation – If structured properly, your spouse can continue receiving income after your passing.
This ensures you never outlive your money, making it a powerful retirement tool.
2. Market Growth Without Market Losses
Unlike traditional market investments, FIAs provide:
✅ Market-linked gains – Your funds are tied to an index (like the S&P 500), so you earn interest when the market goes up.
✅ Downside protection – Even if the market crashes, your principal is protected and won’t lose value.
This allows for steady, reliable growth over time.
3. Tax-Deferred Growth
FIAs offer tax advantages similar to retirement accounts:
✅ No taxes on growth – Your money grows tax-deferred, meaning you don’t pay taxes until you start withdrawing.
✅ Potential for lower taxes – Since many people are in a lower tax bracket in retirement, this strategy can help reduce your tax burden.
This is a great way to maximize retirement savings without annual tax obligations.
4. No Contribution Limits
Unlike a 401(k) or IRA, an FIA has no contribution limits. This means you can invest as much as you want, making it a great tool for high-income earners looking for tax-deferred growth and safe wealth accumulation.
5. Protection Against Inflation
Some FIAs come with an inflation-adjusted payout option, ensuring that your income keeps pace with rising costs. This means your purchasing power is preserved, even as prices go up over time.
6. Probate-Free Wealth Transfer In case of death, your annuity balance goes directly to your beneficiaries without going through probate. This means:
✅ Faster payout to loved ones
✅ No probate court delays
✅ Tax advantages depending on the structure
This makes an FIA an excellent legacy planning tool.
Prime Services
Indexed Universal Life (IUL) Insurance. An insurance solution with Living Benefits IULs are a popular choice for those looking for a safe and long life insurance policy with tailored insurance solutions. Lifetime Health Protection, Wealth Building & Protection, and Business Success & Protection. Plus get Retirement Incomes & Leave A Good Legacy. Protecting who & what you love as a top priority. Your safety net either you live well for long or become deadly ill. Protection for Deadly Illnesses & Diseases Get financial relief in the event of an unexpected deadly illness, such as a terminal illness, chronic illness, critical illness, or critical injury - or a qualifying diagnosis of Alzheimer’s disease or Lewy Body Dementia. Wealthy patients always have a higher survival rate from a deadly illness. Hence, since people who enrolled in an IUL insurance plan would get money from the plan in the event of a deadly illness and they are more likely to survive the deadly illness.
Financial relief in the event of a qualifying illness or injury. Get money in the event of a qualifying health emergency. Helping you survive when life throws you a curveball. Qualifying Critical illnesses: Cancer, Stroke, Aplastic Anemia, Cystic Fibrosis, End-Stage Renal Failure, Heart Attack, Heart Valve Replacement, Sudden Cardiac Arrest, Motor Neuron Disease, Major Organ Transplant, etc. Covered Critical Injuries: Coma, Paralysis, Severe Burns, Traumatic Brain Injury. Qualifying Chronic Illness: If you become cognitively impaired or if a doctor certifies you can’t independently perform two of these six ADLs; Batting, Eating, Dressing, Toileting, Continence, and Transferring. Terminal Illness: If diagnosed with a health condition expected to result in death within 12 or 24 months depending on the insurance company Qualifying diagnosis of Alzheimer’s disease or Lewy Body Dementia. Wealth Building for Adults - Build, grow, maintain, safe, protect & transfer, all with expert strategies. Compound interest & potential for wealth/ cash value accumulation to million dollars. A portion of your premiums goes into the cash value account and the cash value grows based on the performance of a selected index like the S&P 500. If the market is up, you get some of the gain, but if the market is down, your account is locked, and you don't lose anything. So your IUL will only gain cash value over time and protect you from market volatility. Potential to massively increase income with little or no finance Potential to do the associated business with little or no money/finance & grow income to million dollars Wealth Building for Million Dollar Baby - Health protection & financial success for your children Starting an investment for your kids when they are young is extremely beneficial in setting them up for financial success & security. Giving them a head start towards building wealth. The earlier you start, the more time your money has to compound and grow for your children. Even small investments made when your child is young can grow into substantial amounts by the time they reach adulthood. Investing at a young age can teach children about the power of compounding and the importance of long-term investing, which can set them up for a lifetime of financial success. This income will come to your child as a tax free benefit. It can provide them with lifelong coverage Wealth & Legacy Protection - Protection for now and future, and also leave a good legacy Make money never lose money It is not only how much good money you make; it is how much of it you can keep! Protection from any loss, debtor, taxes, market risks, inflations, etc. Protection from lawsuit, judgment, bankruptcy, probate courts, etc. Preserve it for your life & future, and as a good legacy for your family Protect what matters most and leave a good legacy Secure good financial future for your family, your business or a charitable organization Protect what matters most & leave a good legacy Business Protection - Protection for key people & executives bonuses for success Protection for your assets, employees & operations Safeguard your business for good success Ensure bonuses for executives and maintain stability Providing peace of mind & ensuring your business thrives even in uncertain times Access to Cash - Can be used for, but not limited to; Buy cars, properties, lands, malls, complexes, estates, apartments, houses, appliances, electronics, furniture, stocks, businesses, equipment, shares, etc. Pay off cars, properties, lands, mortgages, businesses, credit cards, debts, bills, etc. Do modifications, furnishings, investments, businesses, expenses, parties, etc.” Retirement income continuously, so you can retire with confidence Guaranteed Income for life - Tax free source of income for life Build cash value that can be accessed through withdrawal or loan Get money tax free whenever you need the available cash value The potential to provide you a guaranteed source of income tax free for life Your policy living benefits cash value can be used for various expenses Retirement Income - Tap a potential source of retirement income So you can retire with confidence Retirement income continuously When eligibility requirements are met, may help supplement retirement income Lifetime Same & Flexible premium, or Auto Pilot - Pay same premium for life or stop paying after few years If a policy is made for a baby, a child, or a young adult, the same premiums is paid until old age Since IULs are permanent life insurance policies, they do not have an expiration date. As long as the premiums are paid, the policy will remain in force. Autopilot: pay for a certain number of years and stop, and cash value will still continue to grow Good Legacy - Protect what matters most and leave a good legacy Secure good financial future for your family, your business or a charitable organization Protect what matters most & leave a good legacy Choose Prime Freedom Insurance for trusted, reliable, trustworthy and personalized advise & services This opportunity is for: US Citizens US Permanent Residents (with Green Card or Work Authorization) US Student Visas and People Worldwide with Stakes/Assets in the US Canada Citizens and Permanent Residents Mexico Citizens
