Self-employed professionals need financial solutions that are as flexible as their income. That’s why more entrepreneurs are turning to properly structured, maximum-funded Indexed Universal Life policies—often referred to as IUL LASER Funds—to build long-term security without the limitations of traditional retirement accounts. An IUL allows contributions to adjust with your income flow, instead of forcing strict annual caps like IRAs or 401(k)s. The cash value can grow tax-advantaged and be accessed later through policy loans, giving you potential tax-free income for retirement, business investing, or personal needs—all without increasing your taxable income. Unlike market-dependent accounts, an IUL has a 0% floor, meaning your cash value is protected from losses when the market dips, a crucial benefit when income already varies. You also maintain liquidity without age-based penalties, so you can use funds at any stage of your career if opportunities or challenges arise. IUL LASER Funds are further customizable through optional riders, offering protection many self-employed individuals don’t have access to—such as chronic illness, disability, or accelerated benefit provisions. For entrepreneurs, freelancers, and business owners seeking tax-advantaged growth, liquidity, flexibility, and control, an IUL LASER Fund offers a strategy designed to support both personal stability and long-term financial success.
source: https://iulmadeeasy.com/5-reasons-self-employed-professionals-choose-iul-laser-funds/
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