Retirement Planning

with Life Insurance

Build guaranteed retirement income and provide a large cash lump sum for your loved ones. Craft a worry-free retirement with our indexed universal life insurance solutions.

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"Carlton has a wealth of knowledge on his offering and the whole CFL team is first class in their work behind the scenes." - James Gormley

"I highly recommend Capital for Life for when it comes to life insurance solutions. The team is extremely knowledgeable & professional." - Gareth Bowkett

"Carlton’s knowledge and expertise is invaluable... A clear communicator who can quickly craft a solution and is unrelenting on a successful delivery.” - Matt Tailford

“Carlton Crabbe and the team at Capital For Life have been an immeasurable asset." - Bob Bhowmik

The Challenges

Retirement Planning

Life is unpredictable. While we all hope for the best, unexpected events can challenge our finances and retirement plans.That's why we offer smart solutions.

We offer a range of cash value life insurance plans that mitigate investment risk and grow your wealth steadily. We help you build a realistic, achievable plan that secures your future and lets you focus on what truly matters: enjoying your retirement years.

Index Universal Life
Insurance: The Basics
4 MINUTE WATCH

Guaranteed Income

A guaranteed income for your retirement from an index universal life insurance plan can supplement other income sources like investment portfolios and property rentals.

Stock Market Growth

Gain exposure to major market indices like the S&P 500 without the volatility. The addition of a ULI to a retirement portfolio can provide a stock market growth with lower risk than a traditional investment portfolio.

Estate Planning Cash Benefits

After your retirement, a ULI policy will leave cash to your family or loved ones  - a death benefit. With careful structuring, it can provide a tax-efficient inheritance to beneficiaries, facilitating estate planning and wealth transfer.

Retirement Saving Flexibility

Investing into a ULI plan for retirement is flexible and premiums can be adjusted according to any change in financial circumstances.

IUL for Retirement Planning

What is Indexed Universal Life

Insurance?

Indexed Universal Life Insurance (IUL), often referred to as IUL, is a type of permanent life insurance. Unlike traditional life insurance, IUL offers both a death benefit and the potential for cash value accumulation based on the performance of a stock market index. This unique structure provides flexibility in premium payments and coverage amounts, adapting to your changing financial needs over time.

Get A Personalised IUL Quotation

Benefits of Indexed
Universal Life Insurance

01
Retirement Planning

Not just an insurance policy, but a versatile financial tool. Diversify your investment portfolio while enjoying a safety net against market downturns.

02
Family Protection and Financial Security

Watch your wealth grow tax-deferred. Access your funds tax-free, offering you unmatched financial flexibility for investments, retirement, or unexpected expenses.

03
Financial Security

Secure your financial legacy with high-value life coverage that ensures a smooth and seamless transition of your wealth to the next generation.

How IUL Works for

Retirement Planning

Guaranteed Income

A guaranteed income for your retirement from an index universal life insurance plan can supplement other income sources like investment portfolios and property rentals.

Stock Market Growth

Gain exposure to major market indices like the S&P 500 without the volatility. The addition of a ULI to a retirement portfolio can provide a stock market growth with lower risk than a traditional investment portfolio.

Estate Planning Cash Benefits

After your retirement, a ULI policy will leave cash to your family or loved ones  - a death benefit. With careful structuring, it can provide a tax-efficient inheritance to beneficiaries, facilitating estate planning and wealth transfer.

Retirement Saving Flexibility

Investing into a ULI plan for retirement is flexible and premiums can be adjusted according to any change in financial circumstances.

Tax-Free Growth

The cash value of a ULI policy grows tax-free, allowing your investment to grow more quickly without immediate tax implications.

Loan and Withdrawal Options

ULI policies typically allow for loans or withdrawals from the accumulated cash value, providing a potential source of income during retirement without early withdrawal penalties.

Working with Capital for Life:

It's as Easy as 1-2-3!

Get a Personalised IUL Quote
01
Fill Out the Form

Begin your journey by providing us with some basic details. This initial information helps us understand your unique needs and aspirations.

02
Personalised Consultation

Once we receive your form, our expert team will reach out for a one-on-one consultation. We'll dive deeper into your financial goals and provide insights on how IUL can be tailored for you.

03
Crafting Your IUL Solution

Based on our discussions, we'll design a bespoke Index Universal Life Insurance plan that aligns perfectly with your family protection objectives, ensuring your peace of mind.

Trusted Expertise at
your fingertips

“Carlton is an experienced & learned professional in the life assurance space, who has helped, not only clients but me, navigate the world of high value life assurance through education on the concepts, the application, the processes, and procedures in a clear and concise manner, as to allow me to imbibe others with the same knowledge. He is affable, thoroughly professional and is a pleasure to work with many of my clients and colleagues”.

Raj Srivastava

Executive Director at
 
Arrow Capital

“Carlton Crabbe and the team at Capital For Life have been an immeasurable asset. Carlton’s experience in structuring solutions for our HNW clients has been a great benefit to our team, and the feedback from our valued clients has been unanimously positive.”

Bob Bhowmik

Chief Operating Office at
 
SVN Capital

"I've had the pleasure to work with Carlton and the whole team on a number of occasions. I've found them very professional and thorough when preparing UL cases for my clients. Carlton has a wealth of knowledge on his offering and the whole CFL team is first class in their work behind the scenes."

James Gormley

Senior Partner at
 
Finsbury Wealth

It is a pleasure to work with Carlton at Capital for Life. He and the team are extremely professional and always on hand to provide support when required. Carlton's extensive experience has been key in helping my high-net-worth clients, particularly in offering bespoke retirement and estate planning solutions.

Colin Estlick

 Founding Managing Partner at
 
Kingdom Asset Management

"Working with Carlton is a pleasure. He delivers a constant high level of quality work and is always responsive and communicative."

Hugh McGrenra

Business Development Manager at
 
ARIA Capital Management

"Carlton is an invaluable trusted advisor who identified creative solutions for my high net worth clients using specialised life insurance options. He is a true expert in this field and someone who increases the professionalism in this specialist area."

Marc Beattie

Director at
 
Wealth Management Services

“Carlton has been exceptional in helping us and our clients with the best support and guidance we could wish for.  We will continue to use Carlton forever more and would highly suggest that everyone else does the same too.”

Stefan Terry

Chief Executive Officer at
 
SVN Capital

"Carlton and his team at Capital for Life go above and beyond to help us propose and implement unique retirement and estate planning vehicles for our high net worth clients. Capital for Life’s suite of product offerings are unique in many ways and lend them themselves to significant generational wealth creation and preservation. I see Capital for Life becoming a larger part of international wealth planning in the future and would recommend them to anyone without reservation."

Thomas Goldie

Senior Wealth Adviser at
 
Hoxton Capital Management

“Having worked with Carlton for many years, I saw first-hand the care he took to get to the right solution for clients and how collaborative he was with colleagues. In recent years, he has specialised in offshore planning, notably trusts and life assurance, to an extent that there’s nobody I’m aware of in the industry who knows more about those areas.”

Simon Bullock

Founder of chartered financial planning boutique,
 
Mulberry Bow

"Carlton really stands out as a true expert within the market. Carlton has been instrumental as a trusted advisor to my high-net-worth clients because of his ability to provide specialised and creative life insurance products for retirement and estate planning."

Lloyd Simpson

Partner at
 
GSB Capital

"I highly recommend Capital for Life for when it comes to life insurance solutions. The team is extremely knowledgeable & professional. Carlton is a true expert in his field and he along with the team always remain on hand to provide assistance."

Gareth Bowkett

Associate Director at
 
Indigo Financial Analysis

"I am extremely pleased with the high-value life insurance products and retirement planning strategies that Capital for Life designed for my client. As a trusted advisor in this specialised area, Carlton and his team helped through every aspect of the application process to make this seamless and effortless for both the client and myself. The Team is highly experienced, knowledgeable and professional."

Stuart J. Mizen

Senior Investment Manager at
 
SVN Capital

Frequently Asked Questions About

for Retirement Planning

What is IUL and how does it work for retirement?

Indexed Universal Life (IUL) is a life insurance policy with a cash value component linked to a stock market index like the S&P 500 but without directly experiencing market losses. You pay premiums, a portion goes towards death benefit, the cost of insurance and fees, and the rest builds cash value that earns interest based on the index's performance up to a capped rate. This cash value can be accessed through withdrawals to create an income or policy loans for lump sums in retirement.

Is IUL a good investment for retirement?

IUL can be a good investment for retirement planning. It offers growth potential of stock market indices without any market losses. ULI also has tax benefits and high value cash death benefit protection for families or business owners. But it has fees and complexities that you should understand. Compare it to other retirement options like SIPPs, IRAs, 401(k)s and other forms of investments. Consider your investment risk tolerance, financial goals, and fees. Consult a specialist life insurance broker to make sure you understand the features and costs of a ULI policy before investing.

What are the advantages of using IUL for retirement?

· Tax-free growth: The cash value of a ULI grows tax-free, unlike traditional taxable investments.

· Death benefit protection: Your beneficiaries receive a tax-free death benefit upon your passing.

· Market participation with no downside: You get upside potential from the index, but no losses from market drops guaranteed for the rest of your life.

· Flexibility and access to funds: You can access a ULI’s cash value through withdrawals or loans for retirement income or larger capital purchases.

What are the disadvantages of using IUL for retirement?

· Fees: IUL policies have ongoing cost of insurance charges and administrative fees that can eat into your returns.

· Complexity: Understanding policy terms and features can be challenging.

· Limited liquidity: Early withdrawals could lead to a surrender charge or accessing cash value may have tax implications.

· Not a guaranteed growth product: Unlike fixed annuities, IUL's future growth depends on stock market performance.

Can I use IUL to replace my entire retirement plan?

While IUL shouldn't be your sole retirement plan, it can offer valuable features like death benefits and stock market linked growth but no downside risk that can complement your overall strategy. Consider pairing it with diversified investments like discretionary portfolios for long-term growth and income.

Don't forget to explore other potential income sources like government or state pension schemes.

Ultimately, the best retirement plan is a personalised one. Consult a financial advisor to evaluate whether IUL and other options fit your specific goals and risk tolerance.

 I'm considering an IUL for retirement. Is it really better than a traditional pension plan?

Comparing IUL and traditional pensions isn't about "better," but about finding the best fit for your individual needs and risk tolerance. Each option has unique advantages and drawbacks:

Traditional Pension Plans:

  • Pros:
  • Tax breaks: Contributions are often tax-deductible, lowering your taxable income.
  • Employer matching: Many employers match a portion of your contributions, boosting your retirement savings significantly.
  • Lower fees: Fees are usually lower compared to some IUL policies.
  • Diversification: Offer a wide range of investment options for potential long-term growth.
  • Cons:
  • Market sensitivity: Your retirement benefit depends on investment performance, which can fluctuate.
  • Limited control: You may have limited control over investment choices within the plan.
  • Early withdrawal penalties: Early withdrawals often come with hefty penalties.

IUL (Indexed Universal Life):

  • Pros:
  • Guaranteed growth: Some IULs offer a minimum guaranteed rate of return, protecting against market downturns.
  • Death benefit: Provides a significant cash benefit to your beneficiaries upon death, potentially exceeding a pension pay-out.
  • Flexibility: Offers access to the cash value through loans or withdrawals (may have tax implications).
  • Cons:
  • Higher fees: IULs can have higher fees than traditional pensions, reducing your overall growth.
  • Limited investment choices: Typically, you have fewer investment options compared to a pension plan.
  • Market-linked potential: While offering minimum guarantees, some IULs still tie growth to market performance, albeit with a safety net.

Ultimately, the best choice depends on your:

  • Risk tolerance: Are you comfortable with market fluctuations, or do you prioritise guaranteed returns?
  • Financial goals: How much do you need for retirement, and what kind of income stream do you prefer?
  • Individual circumstances: Consider your age, current financial situation, and future retirement plans.

Consult a life insurance agent or retirement planning financial adviser to assess your specific needs and compare IUL options with available traditional pension plans. They can help you create a personalised retirement strategy that optimizes your benefits and minimises risks.

What are the tax implications of IUL in retirement?

Policy Loans and Death Benefits

· Policy loans: During retirement, you can access your IUL's cash value through tax-free policy loans. This means you don't owe taxes on the borrowed amount, and the loan doesn't count as taxable income. However, remember that outstanding loan balances will reduce the death benefit pay out to your beneficiaries.

· Death benefits: When the policyholder passes away, the death benefit received by your beneficiaries is generally tax-free. This provides a significant financial cushion for your loved ones without any immediate tax burden. Different countries may have different tax rules so it is important to check with a tax adviser. Work with a financial adviser to guide you through which estate planning structures could help reduce any tax burden.

Tax Liabilities and Withdrawals

· Withdrawals exceeding premium: While policy loans are generally tax-free (depending on your country of residence), withdrawals from your IUL's cash value can be taxed. In some cases, the withdrawal amount may be taxed as income if it exceeds the basis (total premiums paid).

· Penalties for early withdrawals: Withdrawing funds from your IUL before the 11th year will trigger a withdrawal charge.

What happens to the IUL policy if I die before retirement?

If you pass away before retirement, the IUL policy pays out a cash death benefit to your named beneficiaries, which can be used for any purpose, including income replacement or pay off debts like home loans.

How do I choose the right IUL policy for retirement planning?

IUL policies should include features and benefits that are important to you, such as allowing withdrawals for retirement income. You shouldn't just choose a policy with the highest death benefit or the lowest premiums. Several factors should be considered when choosing an IUL policy, such as the insurer's financial strength, fees and charges, and annual returns cap and floor rates.

Additionally, you should consider any additional policy features or riders you may need. A critical illness or long-term care option is available as an additional feature on some IUL policies. Get the right IUL policy for your retirement needs with the help of a specialist life insurance broker or financial adviser.

Still have questions about jumbo life insurance? We're here to help.
Reach out to us at enquiries@capitalforlife.com or call us on 052-772-6262 for the best jumbo insurance quote in Dubai.

EDUCATIONAL RESOURCES

Retirement Planning Resources

Our comprehensive articles offer insights into the world of IUL, helping you make informed decisions for your financial future.

Ready to take control of your
Financial Future?

There’s no better time than now. With our tailored IUL solutions, you’re not just buying a policy; you’re investing in your family’s peace of mind.

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