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Most companies offer them.  I can show you the proper way to use this product.  This is important!

This pays a tax-free death benefit to your beneficiaries if you pass away during the policy term. 

 Living Benefits allow you to access a portion of your life insurance policy while you're still alive if diagnosed with a critical, chronic, or terminal illness. This feature saves lives.

 An IUL policy offers flexible life insurance with potential cash value growth tied to market indexes like the S&P 500. It protects your family while helping you build tax-advantaged wealth. 

 Annuities provide guaranteed income for life or a chosen period, making them ideal for retirement planning. They offer stability and help ensure you won’t outlive your savings. 

 Asset and Income Protection safeguards your wealth and earning power from unexpected life events or financial risks. These strategies help preserve your lifestyle and legacy through uncertain times