Most smart earners are unknowingly building a retirement the IRS gets to tax heavily.
Your 401(k) and IRA grow tax-deferred — but every dollar you pull out in retirement is taxable income. At the tax rates most pre-retirees face, that's not a nest egg. It's a future tax bill.
A properly structured, max-funded IUL is built to fix that.
It's not a replacement for everything you have. It's the tax-free layer most financial plans are missing.
Here's what a max-funded IUL does differently:
Your money grows but can't lose
A built-in 0% market floor means you never lose a dollar to a market downturn.
Access cash at any age penalty-free
Access cash value with no IRS penalty and no Required Minimum Distributions (RMDs).
Contributions aren't capped
Unlike 401(k)s and IRAs, high earners can fund strategies without low IRS contribution limits.
Family is protected
Immediate tax-free death benefit ensures your loved ones are covered from day one.
A properly structured IUL focuses on 3 key pillars:
Family Protection
Secure your legacy with an immediate, tax-free death benefit that ensures your loved ones are financially protected from day one.
Tax-Free Retirement
Generate a predictable, tax-free income stream for life, completely insulating your retirement from future tax rate hikes.
Living Benefits
Access your policy's death benefit while alive if you suffer a qualifying illness (up to $750k tax-free for heart attack, stroke, cancer, or chronic care).
LUTCF CredentialedTroy D. Roddy
Serving clients continuously since 1995
Serving clients since 1995, in an industry where most don't last one year.
Roughly 92% of insurance professionals leave the business within their first year. Troy D. Roddy has served clients continuously since 1995 — guiding families through multiple market cycles.
Troy is a fact-finder who deals in assets, not a high-pressure salesperson. He works alongside a network of attorneys and CPAs to give you an unbiased, complete picture — and he'll tell you honestly if an IUL isn't the right fit for you.
See If You Qualify for a Custom Max-Funded IUL Illustration
Troy D. Roddy will build a personalized projection showing your exact tax-free income potential and policy funding structure.