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.

"Upside potential without risk."




Your IFL Agent

Kevin Arsham

Phone: 216-672-5480
Email: karsham(at)

Kevin Arsham was born in Northeast Ohio.  After graduating Summa Cum Laude, with a degree in finance, from The Ohio State University, Kevin returned to Northeast Ohio and ultimately settled in Hudson in 1991.

Since entering the industry in 1988, Kevin has gained a wealth of knowledge that he uses to help financial professionals design income and estate planning solutions for their clients. A hallmark of Kevin’s success has been his educational approach to serving clients and advisors, conducting formal seminars on topics such as estate preservation and Social Security claiming strategies, as well as teaching Continuing Education courses for insurance agents and financial advisors.

Kevin assists clients and educates other professionals with financial planning and retirement transition issues such as Social Security income planning, retirement planning, portfolio diversification, asset protection from long-term health care costs and estate planning.

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