Planning Your Future
IULs are one of the secrets wealthy people use; You can use them too!
What we do...
We help EVERYONE achieve their best Financial Future through the power of Compound Interest
Tax Free Retirement
Be Your Own Bank
Generational Wealth
Annuities
Premium Finance
Key Employee Coverage
From 2 weeks old to 100 years old we can help you. Remember it is better to get started now than never at all!
Joe Kacperski
I Want to Know more about the IUL, Tax Free Retirement & BYOB
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IULs don't have the Rules IRAs and 401(k)'s do.
You Dont Have to Wait until you're 59 1/2 to use your money
You NEVER pay a dime of tax on your gains...EVER
There is NO LIMIT on how much you can contribute
NO PENALTIES for using your money while saving for retirement
IULs don't participate in market downturns, so you NEVER LOOSE MONEY on the market in down years
Indexed Universal Life
Find out about the power that
Being Your Own Bank (BYOB) and uninterrupted Compound Interest can bring to your retirement savings via an IUL. A 30 year old can retire with a million in cash with as little as $300 p/mo, and have a substantial death benefit in case the worst happens. IUL's don't lose money when the market does! So you never have to spend precious compounding time just getting back to break even! That's the power uninterrupted compound interest brings that only an IUL provides!
BONUS: AND...
You also have access to the money the entire time! Access to use YOUR money... while it is still compounding! Compare THAT to an IRA or 401(k)!
Be Your Own Bank
When you borrow against your IUL, your money never leaves your account! It remains there, earning compound interest while you use the money to buy other assets. The collateral is your death benefit. The interest on the loan comes back to your account, so you pay the interest to yourself!
You can do this over and over again. Imagine paying for a car and once paid off, you have the car AND the money, plus the interest that you used to buy the car with! This is called "Infinite Banking." A VERY powerful tool the rich use. Now you can too!
Annuities
Are you concerned with market volatility? You can have your savings/401k earnings PROTECTED
in an instrument that ONLY
participates in market upswings and
NOT the downswings and provide lifetime income that you won't outlive... EVER! GUARANTEED!
Annuities can be a part of your retirement strategy and also an option if your health prevents you from getting an IUL.
Teach Your Children About Money!
They aren't going to learn this at school!
You can set your children up for a college fund several different ways. Using an IUL, there are ZERO government restrictions on what the money is used for. Suppose they don't go to college and want to use the money for a down payment on their first rental property or AirBnB instead, helping them build a better future!
With their IUL, they can do that and have all those options with no penalties! And they can actually use every dime of it... TAX-FREE
Get Ready to Reach Your Financial Goals!
4 Types of Life Insurance
Term Life
Term Life with ROP
Whole Life
IUL
Frequently Asked Questions
How can I use compounding via an IUL? The money you invest in your IUL earns money for you. The money you made last year also earns money for you; and the year before that, and the year before that. All the while, building a larger and larger ball that continues to roll. This ball gets larger and grows faster as time marches on. Tat, in metaphorical terms is "compounding".
How can I Be My Own Bank (BYOB) via an IUL? When you borrow from the bank of "yourself," your money actually never leaves your account. It remains in your account as collateral on your loan. All the while earning you interest over and above the cost of your loan. That's what banks do. They borrow from the Fed and loan it to you at a higher rate and make the spread. Now, you get to handle your money via an IUL just like the banks do!
How can I set up my children's future via an IUL? Children as young as 2 weeks old can have an IUL set up for them. With time on their side, you can generate enough money to send them to college or make a healthy down payment on their first house. During this time you can teach them about money!! A new born can be a millionaire LONG before retirement age with surprisingly low monthly premiums!!
Why Choose us?
Aggressive compensation- We offer a very aggressive copmensation plan (95%-140%). We believe that everybody should be paid what they are worth
Customer Relationship Management- Our innovative tracking system uploads agents' internet leads directly into their CRM system as soon as they come in!
Innovative Lead Program- The lead program that we have allows all agents to have qualified and fresh leads.
3 Types of Income- Direct sales commissions, agency overrides and renewal commisions all deposited directly into your checking account on a daily basis (as you earn them).
Free Agent Training- The sales training provided at Family First Life is very structured and places all of our agents in a position to become successful. Training at FFL is always free.
Top Carriers- We put our clients first by offering multiple options for coverage through several top rated carriers like Nationwide, National LIfe Group, Mutual of Omaha, Aetna, Americo, Foresters, TransAmerica, John Hancock...just to name a few!
Is this the career move you've been looking for?
Find out how you can make a fantastic living working for yourself, but not by yourself!
