Chapter 8: The Legacy Move — Creating Wealth Beyond Retirement
Let me ask you something most financial advisors never do…
When you’re gone — will what you’ve built vanish with you, or will it live on and take care of those you love?
An Indexed Universal Life (IUL) policy isn’t just about retirement. It’s about what happens after. It’s about who benefits from your wisdom, your planning, and your love — long after you’re no longer here to speak for yourself.
Most people think of life insurance as a "death product." But that’s the old-school, commodity mindset. The truth? An IUL is a living legacy machine.
💰 Death Benefit = Tax-Free Wealth Transfer
When you pass, your IUL’s death benefit goes to your beneficiaries income-tax free. No delays. No probate courts. No government red tape. No taxes. Just cash, delivered quickly, at a time when your family may need it most.
It doesn’t go through your will. It doesn’t become public record. And it doesn’t get eaten by estate costs or capital gains.
You’ve just created an instant estate. That’s the legacy move.
“People spend their lives accumulating wealth. But the smartest ones plan for what happens after.” — T.R. Peddycoart
🧠 Set It Up Right — Or Risk Wasting It
Here’s where the amateurs get it wrong: they buy cheap term life insurance and figure they’ll just “invest the difference.”
What happens?
They outlive their term. They cancel the policy. Or worse — they never get around to investing the difference.
And now, when they pass… there’s nothing.
But the ones who play the long game? The ones who think in decades, not just next Friday? They use the IUL to build tax-advantaged wealth while they’re alive and pass it down when they’re gone.
It’s smart money that never stops working.
🧱 The Family Foundation Strategy
With a properly designed IUL:
- You build cash value during your life — tax-deferred.
- You can access that cash value tax-free via policy loans to fund retirement, pay for emergencies, or even help your grandkids through college.
- And then, at death, the entire death benefit passes to your heirs, often far more than you put in.
This is how generational wealth starts for people who didn’t think they had enough to leave behind.
You don’t need to be a millionaire.
You just need to be the kind of person who thinks ahead.
🚫 Why Banks and Wall Street Don’t Promote This
They make no money when you keep your dollars safe in a tax-advantaged vehicle you control.
They’d rather you ride the rollercoaster of the market, where your money is at risk and they collect fees whether you win or lose.
But the IUL? It’s backed by insurance companies. Contractually guaranteed. You can’t lose your principal to market downturns. And your gains are locked in year by year.
It’s stable. Strategic. Silent. The opposite of chaos.
🔒 Protect Your People. Plant Your Flag.
When you fund an IUL with intention, you’re doing more than planning your retirement.
You’re declaring:
“I will not leave my family in a bind.”
“I will not let probate or taxes destroy what I’ve worked for.”
“I will leave something that lasts.”
That’s what I call The Legacy Move.
And every client who sets one up with me at VitalShield ends the conversation with peace in their heart and a plan in their hand.
🎯 Next Step: Build Your Legacy While You’re Alive
We can design a policy tailored to your goals. One that lets you grow your money now — and protect your family later.
Want to learn more?
📞 Book a free strategy call with us at VitalShield Insurance.
🎥 Or keep reading — because the next chapter will show how to use the cash value from your IUL to fund a tax-free retirement without draining your nest egg.
Because building a legacy… starts before you're gone.