• David H. Kinder, ChFC

F.A.Q. #2 - How Exactly Does Indexed Life Insurance Work For Retirement Income?

Updated: Dec 28, 2019


I recently came across this video presentation done by my LinkedIn contact Louis LaBash. Louis is selling a software service to other insurance agents and financial advisors to help them to promote the benefits of Indexed Life Insurance to their clients for generating retirement income.

And as I watched this, I LOVED it!

What you'll learn is how cash value life insurance, when properly structured, can generate SUPERIOR retirement income cash flow compared to other ways of retirement savings and distributing that cash flow. Now, a few disclaimers and disclosures:

- This video was not intended for non-professional use.

- In the later part of the video, Louis will talk about his software services for agents to illustrate these concepts. That, of course, is for professional use.

- Therefore, it may not have all the required compliance disclaimers and disclosures.

- This video is outlining one particular policy, but the concept can be applied to any competitive policy.

- Of course, the assumptions will vary and policy performance may be predicated based on current interest rate assumptions, insured's underwriting, and other factors. I do believe that Louis was reasonably conservative with all his assumptions.

- Seek professional advice before implementing anything you learn in this concept video.

- Look both ways before crossing the street. :)


David H. Kinder | Lifetime Tax & Wealth Educator

Dynamic Advanced Insurance, Financial, and Retirement Strategies

#IUL #retirementincome #indexeduniversallife #indexedinterest #collateralization

0 views

3578 Atchison Circle
Riverside, CA  92503-5166 

Phone & Text: 

951.313.8208

Regulatory Disclosure:

David H. Kinder, ChFC® is regulated by the California Department of Insurance as a life, accident & health insurance agent (CA Insurance License #0E54187)​.  This communication is strictly intended for individuals residing in the state(s) of CA. No offers may be made or accepted from any resident outside the specific states referenced until proper state insurance licensing and company appointments are secured for that given state. David Kinder Insurance and Financial Solutions is the marketing name for David H. Kinder, ChFC® and is not affiliated with any other company.  Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Guarantees do not apply to the performance of any particular index option on fixed indexed insurance contracts, or on projected dividends on participating insurance contracts.  Not all recommendations necessarily require insurance product purchases. Not all products are appropriate or available for all situations. Results are not guaranteed and are subject to individual situations and circumstances. Listing company client access links under the "Client Access" menu does not constitute any endorsement, filing, or approval of this website or its content by such listed companies.  Client access links are provided for client convenience only.

Not Legal, Tax, or Securities Investment Advice:

The material discussed on this web site is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice, nor does it represent any specific company or specific products.  David H. Kinder, ChFC® is not registered nor licensed as a Registered Investment Advisory Firm (RIA), Investment Advisor Representative (IAR), nor as a Registered Representative (RR) with any broker/dealer firm, and is therefore not registered with, or supervised by, the U.S. Securities and Exchange Commission (SEC), Financial Industry Regulatory Authority (FINRA), or any state securities regulatory office.  As such, David H. Kinder, ChFC® does not provide investment advice, specifically: buying, selling, holding, risk analysis, or any other analysis of securities, nor the asset allocation of securities portfolios. For specific investment advice on your securities investment portfolio, please contact a licensed and registered investment professional in your state.

He does offer general investment information for educational purposes and may propose alternative financial strategies that do not contain or include securities. He does also discuss the pros and cons of various kinds of accounts (such as IRS Regulated Retirement Plans) and is considered incidental advice surrounding various strategies and solutions, but does not necessarily constitute advice on the underlying securities.  

For tax or legal services and advice, please consult a licensed professional in your state.  Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary and the information should be relied upon only when coordinated with individual professional advice.

The ChFC® is the property of The American College of Financial Services, which reserves sole rights to its use, and is used by permission.  

© David Kinder Insurance and Financial Solutions; All Rights Reserved

Privacy Policy