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BUILD A TAX-FREE RETIREMENT


FROM JUST $300 A MONTH


WHILE PROTECTING YOUR FAMILY
WITH LIFETIME COVERAGE.


(WITHOUT WORRYING ABOUT MARKET CRASHES!)


BOOK FREE CONSULTATION





LIMITED SPACES, BOOK NOW.


1


TAX-FREE GROWTH

Your cash value grows tax-free, tied to market index performance.


2


FLEXIBLE ACCESS

Access your cash value anytime through tax-free loans or withdrawals.


3


LIFETIME PROTECTION

Enjoy lifelong coverage for your family, while building tax-free wealth.


SECURE A TAX-FREE RETIREMENT AND PROTECT YOUR FAMILY’S FUTURE—ALL FOR AS LITTLE
AS $300 A MONTH!

Dear Valued Customer,



Are you worried about how taxes and market volatility will affect your
retirement savings? At Insurance For Locals we specialize in helping individuals
like you grow their wealth tax-free, while ensuring lifetime protection for your
family with our Indexed Universal Life (IUL) solution.



Our IUL plan offers more than just life insurance; it’s a powerful
wealth-building tool. With as little as $300 a month, you can start accumulating
cash value tied to market index performance—without the fear of losing money in
bad market years. Plus, you’ll have access to your cash whenever you need it,
tax-free.



Here’s why our clients choose an IUL:

 * Tax-Free Growth: Your cash value grows without being taxed, providing a solid
   foundation for your future.

 * Flexible Access: Access your cash value whenever you need it, without
   penalties or taxes, whether it’s for emergencies or retirement.

 * Lifetime Protection: Enjoy life insurance coverage that ensures your family’s
   financial security, all while building tax-free wealth.
   
   

Our clients have used their IUL policies to safeguard their retirement savings,
cover unexpected expenses, and build a lasting financial legacy for their loved
ones. Now, it’s your turn to benefit from these advantages.



For a limited time, we’re offering a complimentary Retirement Assessment and
personalized IUL illustration to help you design a plan tailored to your needs.



Don’t wait! Start building your tax-free retirement and protect your family
today.



Yours sincerely,



Eduardo Soto



Insurance For Locals


JUST SOME OF OUR HAPPY CLIENTS


SARAH J., PITTSBURGH, PA

Ed took the time to fully explain how an IUL could fit into my retirement plans,
giving me peace of mind about my financial future. His expertise and patience
made all the difference!


TOM R., WASHINGTON, PA

I was skeptical about IULs at first, but Ed made everything clear and easy to
understand. Now, I feel confident in my tax-free retirement plan. Highly
recommend him!


JAMES P., PHILADELPHIA, PA

Thanks to Ed, I now have a solid plan for a tax-free retirement. His ability to
explain complex concepts like IULs made me comfortable moving forward. Excellent
experience!

BOOK FREE CONSULTATION





HERE'S WHAT YOU CAN EXPECT FROM YOUR FREE APPOINTMENT.



 * Personalized retirement assessment tailored to your goals.
   
   

 * Custom IUL policy illustration for tax-free growth.
   
   

 * Expert advice on building wealth and protecting your family.
   
   

 * Answers to all your questions—no obligation, no pressure.

BOOK NOW





LIMITED SPACES, BOOK NOW.




FREQUENTLY ASKED QUESTIONS


WHAT IS AN IUL, AND HOW DOES IT WORK?

An IUL is a type of permanent life insurance that combines a death benefit with
a cash value component that grows based on stock market index performance, with
downside protection.


HOW DOES THE CASH VALUE GROW IN AN IUL?

The cash value grows based on the performance of a stock market index (like the
S&P 500) but has a cap on growth and a guaranteed minimum rate to protect
against market losses.


CAN I ACCESS THE CASH VALUE IN MY IUL?

Yes, you can access the cash value through loans or withdrawals, often tax-free,
without impacting the policy's death benefit significantly.


WHAT HAPPENS TO MY IUL IF THE MARKET PERFORMS POORLY?

If the market performs poorly, your cash value is protected by a minimum
guaranteed interest rate, meaning it won't lose value due to market downturns.


IS AN IUL A GOOD INVESTMENT FOR RETIREMENT?

An IUL can be a good strategy for tax-free retirement income and wealth-building
while providing life insurance protection. However, it’s important to assess
fees, caps, and your long-term financial goals.


ARE THERE ANY RISKS WITH AN IUL?

While IULs offer market growth potential, they also come with caps on earnings,
administrative fees, and the risk of the policy lapsing if premium payments or
cash value don’t sustain the policy over time.


HOW DOES AN IUL DIFFER FROM OTHER LIFE INSURANCE PRODUCTS?

Unlike term life insurance, IULs offer permanent coverage with a cash value
component. Compared to whole life insurance, IULs provide potentially higher
returns based on market indexes, though with caps and fees.


CAN THE PREMIUMS CHANGE OVER TIME?

Yes, premiums can be flexible with IULs, meaning you can adjust your payments
based on your financial situation and the cash value performance.


WHAT ARE THE TAX BENEFITS OF AN IUL?

The cash value grows tax-deferred, and you can typically access the funds
tax-free through loans, while the death benefit is generally paid out tax-free
to beneficiaries.


HOW LONG DOES AN IUL LAST?

An IUL is designed to provide lifetime coverage as long as the policy is
properly funded and does not lapse.


HOW DO YOU OPEN AN IUL ACCOUNT?

Schedule an introductory call with a licensed expert. Work with the specialist
to design a custom policy illustration tailored to your needs. Submit your
application to the insurance carrier. Once approved, make your first premium
payment to activate the policy. How does approval work? Getting approved for an
IUL typically involves filling out an application, often without the need for a
medical exam. The approval timeline can vary by insurance carrier, with some
offering instant decisions while others may take between 1-4 weeks. Our team is
with you every step of the way to ensure a smooth process.


WHAT IS THE MINIMUM PAYMENT FOR AN IUL?

The minimum premium required for an IUL policy depends on factors like your age,
health, and the coverage amount you choose. Each insurance company sets their
own minimums, which will be discussed during your consultation with us to ensure
your policy stays active.


WHAT IS THE MAXIMUM PAYMENT FOR AN IUL?

The maximum amount you can contribute to an IUL is regulated by the IRS to
ensure your policy maintains its life insurance status and associated tax
benefits. Exceeding this limit could cause the policy to become a Modified
Endowment Contract (MEC), changing its tax treatment. We’ll guide you on how to
optimize your contributions within these limits to align with your financial
goals.


WHAT DOES 'MAX FUNDING' MEAN?

Max funding an IUL means contributing the maximum allowable premium, which can
boost cash value growth, provide more robust death benefit protection, and offer
tax advantages. It also gives you greater flexibility and control over the
policy. This strategy can enhance long-term financial planning, helping you
maximize the policy’s performance and build a valuable asset for your future.


WHAT ARE LIVING BENEFITS?

Living benefits allow you to access part of your death benefit if you experience
a critical, chronic, or terminal illness. These benefits can help cover medical
costs or other financial needs during difficult times. Some carriers offer these
benefits at no additional cost, but not everyone qualifies, so it’s important to
review your options with us during the policy design process.


HOW DO I GET STARTED?

Simple, just book an appointment on this page and our experts will guide you
through the process on a free, no-obligation call.


I LOOK FORWARD TO SPEAKING TO YOU




EDUARDO SOTO

P.S.

Don't miss out on the opportunity to secure your future with tax-free retirement
income and lifelong protection for your family. Your FREE retirement assessment
and personalized IUL illustration are just a click away—no obligations, just
expert guidance. Let’s get started today!



BOOK FREE CONSULTATION




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