Retirement Planning With Stan The Man
Build Tax-Free Income. Protect Your Family. Take Control of Your Future.
When it comes to retirement planning, most people are told the same thing: “Put your money in a 401(k) or IRA and hope the market treats you right.” But what if there was another way to grow your wealth — one that’s tax-advantaged, market-linked, and protected from downside loss?
That’s where I come in.
I’m Stan the Insurance Man, and I help everyday people use Indexed Universal Life Insurance (IULs) to create flexible, tax-smart retirement strategies that protect your loved ones and grow your future income — at the same time.
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🧠 What Is an IUL?
An Indexed Universal Life Insurance policy (IUL) is a type of permanent life insurance that provides both a death benefit and the opportunity to build tax-deferred cash value over time.
Unlike traditional life insurance, an IUL lets your money grow based on the performance of a stock market index (like the S&P 500), without actually being invested in the market. That means you can capture the upside — with no risk of market loss.
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🔍 How It Works
You pay a premium (monthly or annually)
Part of that premium goes toward life insurance protection
The rest builds cash value, which earns interest based on index performance
Your cash value can be accessed tax-free in the future through policy loans
If you pass away, your loved ones receive the full death benefit — tax-free
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💡 Why Use an IUL for Retirement Planning?
Most retirement accounts are taxed later — often when you’re withdrawing more. An IUL gives you tax-free access to income when you’ll need it most.
✅ Benefits of an IUL:
1. Tax-Free Retirement Income
Use policy loans to access your cash value without triggering taxes — unlike traditional 401(k)s or IRAs.
2. No Market Losses
IULs include a 0% floor, meaning your cash value doesn’t go backward during market downturns.
3. Unlimited Contribution Potential
No IRS contribution caps like with Roth IRAs or 401(k)s.
4. Flexible Premiums
Pay more when you can, scale back when needed. Perfect for self-employed or fluctuating income.
5. Lifetime Protection
You get permanent life insurance that lasts your entire life — with living benefits and a legacy for your family.
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🛑 Is an IUL Right for Everyone?
An IUL isn’t a quick fix or a set-it-and-forget-it tool. It works best for people who:
Want to supplement their 401(k), pension, or Social Security
Are looking for tax-free income in retirement
Want life insurance with living benefits
Are willing to fund the policy consistently over time
Prefer safety with growth potential, rather than market risk
As your personal guide, I’ll help you decide if an IUL is the right tool based on your goals, budget, and timeline.
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🧰 Real Clients Use IULs To:
Fund tax-free retirement income
Create college savings plans (alternative to 529)
Replace old underperforming life policies
Leave a legacy without probate hassles
Add living benefits in case of chronic illness or disability
Ready to Learn How an IUL Could Work for You?
You don’t need to be wealthy to build wealth — you just need a smarter strategy. I’ll walk you through the numbers, the structure, and the benefits in plain English, so you can make a confident decision.
👉 Book Your Free Retirement Planning Call
No pressure. Just a clear plan for your future.
Ready to Learn How an IUL Could Work for You?
You don’t need to be wealthy to build wealth — you just need a smarter strategy. I’ll walk you through the numbers, the structure, and the benefits in plain English, so you can make a confident decision.👉 Book Your Free Retirement Planning Call
No pressure. Just a clear plan for your future.