Your Retirement Roadmap - IUL Booklet Report - Ken DuBose

YOUR PERSONAL RETIREMENT
KEY ASSUMPTIONS
Your Personal Retirement Roadmap
IUL ROADMAP SUMMARY
Age: 40 Age you will trigger income: 70
Annual Contribution: $20,000 Lifetime Contribution: $380,000
Working Tax Rate: 35% Assumed Retirement Tax Rate: 50%
IUL Interest Rate: 7% Expected Tax-Free Income: $69,858
◦ The Indexed Universal Life suggested for you is illustrated with a more conservative internal rate of return of 7%,
however it actually had an internal rate of return of over 9% for the past 25 years even factoring in the cost of insurance.
Premiums are made with after-tax dollars, the earnings grow tax-deferred and the income is withdrawn taxfree.
◦ Taxable Accounts (like a bank CD) in today’s market pay 1% or less in many cases. Investment is made with after-tax
dollars (money you have already paid taxes on) and Investors must also pay taxes on their investment income in the
year it is received. Examples include investment accounts and bank accounts.
◦ Tax-Deferred Accounts (like a mutual fund IRA or 401k) have Mutual funds have only averaged 1.9% for the past 30
years, 2.5% for the past 20 years and 2.6% for the past 10 years. The fees each year in many cases range from 1 - 2%
expense (fees). The investment is sheltered from taxes as long as they remain in the account. Examples include 401k’s
and IRA’s.
◦ Tax-Exempt Accounts (like a mutual fund Roth IRA) have a limit on how much can be contributed to the account each
year. Contributions are made with after-tax dollars, (money you have already paid taxes on), grows tax-deferred and
withdrawals at retirement are not subject to taxes. (please note above on mutual fund historical returns)
IUL SUMMARY
$2,095,000
TOTAL TAX-FREE INCOME TAKEN BY AGE 95
$365,305
ACCOUNT VALUE AT AGE 95
$422,050
DEATH BENEFIT AT AGE 95
The IUL values on this page come from the non-guaranteed values shown in the carrier illustration. Actual historical returns have
been higher, however past results do not guarantee future performance. This presentation is not valid unless combined with carrier
illustration and brochure.
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