Tax-Free Income; How do I do this?

We start by comparing your Traditional Retirement Plan to an Index Universal Life (IUL) plan. Let the numbers speak for themselves!

Watch Now: learn why an IUL may be right for you!

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Compare the Four Most Important Aspects of Your Retirement Plan

Market Volatility

Just how exposed to the market is your retirement plan? Discover how you can protect your retirement earnings from negative returns. IUL's prevent market loss and never credit less than zero. Compare the effects of market losses on your current retirement plan to an IUL.

Income Longevity

How long will your income last? A recent study showed that the average 401(k) will run out of money only 7-8 years into retirement. An IUL has the potential to provide income until you are 120 years old! Take a look at the numbers and compare how long your current retirement plan will last in distribution vs. an IUL.

Tax Deferred vs. Tax Free

Although most retirement plan options allow for Tax Deferred growth, the majority of them tax 100% of the income you take in retirement. That means that you can potentially lose hundreds of thousands of your retirement dollars to taxes. With an IUL, you not only get Tax-Deferred growth, you can also take Tax-Free retirement distributions. Compare the tax savings with an IUL vs. your current retirement plan.


A recent study showed that retirement plan fees can range from 3% to 5%. Just a 1 percentage point difference in fees can dramatically reduce the size of your nest egg over time. Compare the fees in your current retirement plan to the fees in an IUL to see for yourself just how much you can save.

"Don't leave your retirement to chance. A secure retirement starts with a solid plan."




Your IFL Agent

Javier Alba

Phone: 623-340-9249
Email: Javier(at)

Javier is a family man, with five grown children and seven grand children. He has been very active, serving as an ambassador for several Chambers, most recently with the Arizona Hispanic Chamber of Commerce. In the business for over 15 years, he has helped hundreds of families establish a solid financial future, through life insurance. A former securities licensed agent, he gave up those licenses, after seeing his clients’ investments at risk in the Wall Street roller coaster. For the last ten years or so, he has concentrated on the benefits of fixed products that provide safety along with growth. He feels strongly that there is no need to gamble with your hard earned money, especially when it involves your retirement. He wants to be certain those years are financially comfortable; that will make those years truly golden.  

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