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 Our preferred plan, designed for most of
our clients’ long term planning needs, is INDEXED
UNIVERSAL LIFE INSURANCE (IUL), a life insurance policy
recently introduced. Although Universal Life Insurance
policies have been available for more than 30 years, the indexed method of determining the projected rate of
return on cash values is a recent evolution. This is THE
product for our future in our new economy, as it combines indexing strategy with additional endorsements that
are now available for today’s lifetime planning. Not only
does an IUL provide a TAX
ADVANTAGED rather than
TAX DEFERRED planning strategy for
retirement, an IUL also creates an immediate income tax
free LEGACY as a death benefit. |
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| “THIS IS NOT YOUR GRANDPARENTS’
LIFE INSURANCE POLICY” |
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| When you qualify for our plan including
an IUL policy, LaCroix Financial Group and the issuing
company will explain all of the advantages and disadvantages
of your policy. If you qualify for the coverage afforded by
an indexed universal life insurance policy, we are
confident you will like what our LFG plan does for your long
term planning, compared to your current tax qualified plan. |
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| For those who do not qualify for an IUL
policy, we provide alternate plans that may improve your
future financial stability, when compared to your current
tax qualified plan. We will design your
PRIVATE PLAN by illustrating and recommending ANNUITIES.
These plans are also issued by insurance companies that
LaCroix Financial Group has researched and found to be the
most suitable for our clients. |
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 The annuities we recommend in your plan
may be tax qualified or non-qualified. The rate of return on
the funds in your annuity may be determined by an
INDEX or established by the issuing company, or be
determined by a combination of both. In most cases, the
amount of return on your is also tax deferred.
Annuities do not provide an additional
immediate legacy (death benefit). Although an annuity will
not provide the same advantages as an IUL, it may be a
valuable option for you and will provide a source of
SECURE
long term saving FUNDS that YOU CAN NOT OUTLIVE. |
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| LACROIX FINANCIAL GROUP, LLC, AND ITS
ASSOCIATE ADVISORS ARE LICENSED TO SELL LIFE INSURANCE
PRODUCTS. LFG ADVISORS ARE NOT ACCREDITED OR LICENSED TO
GIVE LEGAL, TAX, OR SECURITIES ADVICE UNLESS THE INDIVIDUAL
ADVISOR IS LICENSED AND CERTIFIED TO DO SO. LFG ADVISORS
ADVISE ON THESE TOPICS WITH CLIENTS ONLY AS PERMITTED BY THE
STATE AGENCY UNDER WHICH THEY ARE LICENSED TO SELL LIFE
INSURANCE PRODUCTS. IT IS ALWAYS OUR RECOMMENDATION THAT YOU
SEEK ADVICE FROM PROFESSIONALS ACCREDITED IN THE AREAS OF
LEGAL, TAX, OR SECURITIES, AS MAY BE WARRANTED. |
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© 2010 LaCroix Financial Group,
LLC
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