Empowering Your Financial Future | Bunmi J Oladele
Tax Free Retirement/IUL
Create tax-free retirement income using the power of Indexed Universal Life insurance.
Why Choose Us
Benefits of Tax Free Retirement/IUL
Using an Indexed Universal Life (IUL) policy for retirement allows you to accumulate cash value that grows tax-deferred and can be accessed tax-free through policy loans. Unlike traditional retirement accounts, there are no contribution limits, no required minimum distributions, and your beneficiaries receive the death benefit tax-free. It's a powerful strategy for building tax-advantaged wealth.
Access retirement income completely tax-free through policy loans
No contribution limits—save as much as you want
No required minimum distributions (RMDs) forcing withdrawals
Cash value protected from market losses with indexed options
Death benefit passes tax-free to your beneficiaries
Living benefits for chronic or terminal illness
Flexibility to adjust contributions based on your situation
Powerful strategy for high-income earners seeking tax relief
Ready to Get Started?
Schedule a free consultation to learn how tax free retirement with iul can benefit you and your family.
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Schedule Your Free Consultation
Ready to secure your family's future? Book a free, no-obligation consultation with me. We'll discuss your needs and find the perfect insurance solution together.
No-obligation consultation
Personalized insurance assessment
Expert guidance from a certified advisor
Flexible meeting options
Common Questions
Frequently Asked Questions
Find answers to the most common questions about our insurance services.
How much life insurance do I need?
The amount of life insurance you need depends on several factors including your income, debts, dependents, and future financial goals. A common rule of thumb is 10-15 times your annual income, but we recommend a personalized assessment to determine the right coverage for your specific situation.
What's the difference between Term and Whole Life insurance?
Term life insurance provides coverage for a specific period (10, 20, or 30 years) and is generally more affordable. Whole life insurance provides lifelong coverage and includes a cash value component that grows over time. The best choice depends on your needs and budget.
Can I get life insurance if I have health issues?
Yes! Many people with health conditions can still qualify for life insurance. We work with multiple carriers and can help find options that work for your situation, including guaranteed issue policies that don't require a medical exam.
What is an IUL and how does it work?
An Indexed Universal Life (IUL) insurance policy combines life insurance protection with a cash value component that can earn interest based on stock market index performance. It offers potential for growth while protecting against market losses, making it a popular choice for retirement planning.
Is the consultation really free?
Absolutely! Our initial consultation is 100% free with no obligation. We'll review your current situation, discuss your goals, and provide personalized recommendations. There's no pressure to purchase anything – we're here to help you make informed decisions.
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